Texas mortgage loan officer with Mortgage Funding Solutions. Personal NMLS #2670329 · Company NMLS #1972934. Trusted guidance on FHA, VA, USDA, Conventional, and refinance loans — from the first conversation to the closing table.
I'm a licensed Texas mortgage loan officer (NMLS #2670329) with Mortgage Funding Solutions (Company NMLS #1972934), and I help Texas families understand their financing options and make informed homeownership decisions. With hands-on experience in mortgage processing and loan origination, I guide clients from application through closing — translating the technical mortgage talk into plain language so you can make the right call for your family.
I work with borrowers across North Texas — Dallas, Garland, Plano, Frisco, McKinney, Rockwall, Royse City, Forney, Prosper TX, and surrounding communities — on FHA, VA, USDA, Conventional, and refinance options. Whether you’re a first-time buyer building credit, a Veteran using your earned VA benefit, a growing family moving up, or a homeowner reviewing today’s refinance options, I bring the same approach to every file: clear communication, honest guidance, compliance you can trust, and steady support to closing day.
Homeownership changes families for generations. My mission is to make the mortgage process clear, fair, and approachable — so more Texas families can take that step with confidence.
Your home is more than a transaction. I frame every recommendation around what works for your household budget and goals — not just what closes the fastest.
Licensed and Equal Housing Lender. I operate under NMLS #2670329 (individual) and Mortgage Funding Solutions, NMLS #1972934 (company). All loans subject to credit approval.
You should never sign something you don’t understand. I explain every disclosure, fee, and decision in plain English so you feel informed, not pressured.
Every borrower’s situation is different. I compare programs side-by-side so the loan structure actually fits your goals.
Down payments as low as 3.5% and flexible credit guidelines — a strong fit for first-time buyers and credit rebuilders.
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Flexible terms and competitive rates for buyers with established credit — primary, second, or investment homes.
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Earned-benefit financing for eligible Veterans, active-duty, and surviving spouses — no down payment for qualified borrowers.
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Up to 100% financing for qualified borrowers in eligible Texas rural and suburban communities.
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Lower your payment, tap home equity, consolidate higher-interest debt, or shorten your loan term.
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Texas homebuyer assistance options that may reduce your out-of-pocket costs. Eligibility and program availability vary.
Read moreMost lenders in DFW offer FHA and Conventional. Very few actively originate all five DPA programs simultaneously and know which stack produces the lowest cash-to-close for your specific income and credit score. That's where I focus.
FHA minimum credit score: 580 (3.5% down). VA loans: $0 down, no monthly MIP, no PMI. USDA: 100% financing in eligible TX zip codes. Pre-approval in 24–48 hours of document submission.
| Name | Bond Peter Njoku |
| NMLS | #2670329 — verify → |
| Company | Mortgage Funding Solutions (NMLS #1972934) |
| Office | 1919 S. Shiloh Rd, Suite 518, Garland, TX 75043 |
| Phone/Text | 469-545-7180 |
| 469-545-7180 |
Based in Garland and licensed across Texas — most of my files are in North Texas and the DFW metroplex.
Status updates that come to you, not the other way around.
Straight answers on what fits your goals and what doesn’t.
Loan options tailored to your credit profile, budget, and target property.
I stay with you from application through closing day — and stay reachable after.