+1 (832) 605-6691

contact@zapatacapital.com

1322 Space Park Dr Suite B-150, Houston TX 77058

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Frequently Asked Questions

Your Mortgage Questions Answered

We know the mortgage process can be complex, and you may have some questions. Below, we’ve answered the most common inquiries to help guide you through the process. If you don’t see your question here, feel free to contact our team for more personalized assistance.

We offer Home Purchase Loans, Home Refinance Loans, Commercial Mortgage Loans, Non-QM loans, ITIN loans and DSCR loans  tailored to meet a variety of financial needs.
Our team will assess your financial situation, goals, and property type to recommend the best loan program for you.
FHA loans require a minimum credit score of 500, while conventional loans typically require a score of 620 or higher.
The approval process usually takes 24-48 hours, depending on the complexity of the application and documentation.
Yes, we offer pre-approval services to help you determine how much you can borrow before you start house hunting.
You’ll need proof of income, employment history, credit reports, and other financial documents depending on the type of loan.
A refinance loan replaces your existing mortgage to secure better terms, while a home purchase loan helps you finance a new property.
Whether you are an experience investor or an individual looking to purchase your first investment property, we offer a variety of residential mortgage loans to fit your needs. We also offer commercial loans for those business owners and companies that want to invest in real estate or expand their business buying an office building, retail spaces, or multifamily properties.
No down payment is required for some purchase loans. USDA and VA loans can be fully financed and does not require a down payment. We also offer Down Payment Assistance Loan Programs, which allow the borrower to finance the down payment.
Simply fill out our contact form or call us directly, and our team will guide you through the application and pre-approval steps.