Your Local Garland Mortgage Loan Officer

I'm Bond Peter Njoku (NMLS #2670329), a licensed mortgage loan officer based in Garland, TX at 1919 S. Shiloh Rd, Suite 518. I help Garland homebuyers get FHA, VA, USDA, and conventional loans, and I specialize in down payment assistance programs including TSAHC and Dallas DHAP. Call or text me at 469-545-7180.

Garland buyers can access TSAHC Home Sweet Texas (3–5% grant, no repayment required), TDHCA My First Texas Home (up to 5% DPA for first-time buyers and veterans), and the Dallas DHAP program (up to $60,000 for qualified buyers in Dallas city limits). These programs can be stacked with FHA loans for very low out-of-pocket costs. I'm Bond Peter Njoku (NMLS #2670329), a local Garland loan officer approved to originate these programs.

Yes. FHA loans allow credit scores as low as 580 with 3.5% down, or 500–579 with 10% down. FHA is one of the most common loan types for Garland first-time buyers because of its flexible guidelines. I'm Bond Peter Njoku (NMLS #2670329), and I can pre-approve you quickly — call me at 469-545-7180 or apply online.

Yes. My office is at 1919 S. Shiloh Rd, Suite 518, Garland, TX 75043. I offer in-person, virtual, and phone consultations. Call or text me at 469-545-7180 to schedule.

Working with me, most buyers receive a pre-approval decision within 24–48 hours of submitting their documents. You'll need pay stubs, W-2s, bank statements, and a valid ID. Getting pre-approved before house hunting strengthens your offer in Garland's competitive market.