Questions

Complete the application, call 817-729-6559, or email matt@pruittapproved.com. Any of the three gets us going.

Yes. It's no fun to fall for a house and then find out what you can borrow. Even better, get True Approved, which means underwriting has already reviewed your file. Then the seller knows without a doubt you're good to go.

It depends on the loan. Usually it's pay stubs, W-2s or tax returns, and bank statements. I'll send you a short list so you're not guessing.

It depends on your income, your debts, your savings, and the loan type. The quickest way to find out is the application. It takes about five minutes, and we start with a soft credit pull, so it costs you nothing and doesn't touch your score.

Absolutely. It's the best way to start. The Apply button on this site goes to the secure application, and it takes about five minutes. If you'd rather talk first, call.

No. It just means we look at your income differently. Send me your recent tax returns and I'll tell you what we can work with.

That's the classic self-employed problem. Good write-offs, low taxable income. There are loans that look at bank statements or other documents instead, so ask before you assume no.

Maybe. It depends on how long you've been at it, what you did before, and what the paperwork shows. Tell me the story and I'll tell you where you stand.

Usually, yes, if there's a history behind it. Lenders like income they can see repeating. Bring me what you've got and we'll sort out what counts.

Conventional loans aren't backed by the government. FHA loans are, and they can be more forgiving on credit. Which one costs you less depends on your situation, so I usually price both.

Yes. If you served, it's often worth a look. Thank you for your service. Send me your DD-214, or your COE if you're still active duty, and I'll take it from there.

Yes. When the loan is bigger than the standard limits, it's a jumbo. The rules vary by lender, so ask and I'll tell you what your deal needs.

Yes, construction loans are something I do. They have more moving parts than a regular purchase: the builder, the plans, the draws. I do one-time and two-time close, and I'll tell you which fits your build. Call me early, before you sign with a builder if you can.

Yes. Investment property loans have different rules than a home you live in. Tell me what you're buying and how you plan to use it.

Usually two to three weeks. The exact timing depends on the deal, the appraisal, and how fast documents come back. I'll give you an honest estimate once I see the file, and I'll tell you if something is slowing it down.

Yes. Speed is my love language. A clean file and a quick appraisal help a lot. Tell me your contract date up front and I'll tell you if it's realistic.

Then we have options. Renegotiate, bring more cash, challenge it if there's a real mistake, or walk away. Not fun, but not the end of the world.

Yes. Nobody likes bad news, but everybody likes it fast. I'd rather tell you something boring than have you wonder. If you haven't heard from me, call.

It depends on the loan type and the rest of the deal. There isn't one magic number. Ask me, and I'll tell you where you stand and what would help.

No. We start with a soft pull, which doesn't touch your score. If we move forward to a full approval, I'll tell you before anything else gets pulled.

It depends on the loan type, the property, and you. Some loans need less than people think. Ask, and I'll lay out the options side by side.

Rates change every day, sometimes several times per day. Yours depends on the loan, your credit, and the property. Call me and I'll quote your actual deal instead of a number from a billboard.

I'm Matt Pruitt, NMLS 846749, a loan officer and branch manager. My office is in Fort Worth, I live in Aledo, and most of my work is around DFW.

Yes. That's my cell on this site. You call, I answer or call you back. You won't get passed around to someone who has never heard your name.

When something gets weird mid-loan, and it often does, it helps to have someone who knows your file and picks up the phone.

Happily. Good agents and good loan officers make each other's lives easier. I'll keep them in the loop if you want me to.

Maybe. Banks say no for a lot of reasons, and some of them don't apply everywhere. Tell me what they said and why. If I can't do it, I'll say so.

Yes. I have access to private money and hard money sources, and I broker commercial deals too. If your deal is unusual, tell me about it and we'll see.

Yes. Strange is fine. The worst case is I tell you no and maybe point you somewhere better.