Conventional Loans
Flexible financing for qualified Texas buyers with competitive terms and a variety of down payment options.
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Texas Mortgage Solutions
Your Home. Your Future. Our Focus.
Personalized mortgage solutions for Texas homebuyers, homeowners, and real estate investors.
Trust
Clear guidance and transparent communication.
Home
Financing centered on your goals.
Growth
Strategies for today and what comes next.
Support
A responsive team from start to finish.
Professional Background
Built on Service, Integrity, and Attention to Detail
Source One Home Loans combines mortgage lending knowledge, real estate perspective, aerospace quality discipline, and U.S. Navy Reserve service to deliver clear, detail-focused mortgage guidance.
Mortgage lending experience
Real estate experience
Aerospace quality background
U.S. Navy Reserve service
Veteran-Owned BusinessEqual Housing OpportunityNMLS Licensed
Mortgage Guidance
Clear financing conversations for Texas buyers, homeowners, and investors.
Meet David Bates
Founder-led mortgage guidance.
As the founder of Source One Home Loans, David Bates is committed to helping homebuyers, homeowners, and real estate investors navigate the mortgage process with confidence. He brings experience in mortgage lending, real estate, aerospace quality assurance, and U.S. Navy Reserve service to deliver clear, detail-focused guidance.
Mortgage Loan Originator | Individual NMLS #2038179
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Featured Programs
Mortgage options for buyers, homeowners, and investors.
Jumbo Loans
Financing solutions for higher-value Texas properties that exceed conforming loan limits.
Explore Your Loan OptionsVA Loans
Home financing benefits for eligible veterans, active-duty service members, and qualifying spouses.
Explore Your Loan OptionsInvestor Property Loans
Financing solutions for real estate investors purchasing or refinancing rental properties, including DSCR and investor-focused lending programs.
Explore Your Loan OptionsFHA Loans
Government-backed financing designed to make homeownership more accessible for eligible borrowers.
Explore Your Loan OptionsBank Statement Loans
Alternative income documentation options for self-employed borrowers with strong bank deposit history.
Explore Your Loan OptionsProfit & Loss (P&L) Loans
A practical path for business owners who can document income through a prepared profit and loss statement.
Explore Your Loan OptionsNon-QM Loans
Flexible mortgage solutions for borrowers whose financial profile falls outside traditional guidelines.
Explore Your Loan OptionsFor Business Owners
Mortgage Solutions Beyond Traditional Income Documentation
Traditional income documentation does not always tell the full story. We offer alternative paths designed for qualified entrepreneurs, contractors, and business owners.
Bank Statement Programs
P&L Programs
Self-Employed Mortgage Options
Non-QM Solutions
We look beyond a one-size-fits-all checklist to help identify financing options that make sense for how you earn.
Your income may be unique. Your mortgage strategy should be, too.
Mortgage Calculator
Estimate your monthly mortgage payment.
Use the Source One Home Loans mortgage calculator to estimate principal, interest, taxes, insurance, HOA dues, and PMI before scheduling a more personalized review.
Try the Mortgage CalculatorSample Estimate
$2,900/mo
Example only. Your actual payment depends on the property, loan terms, taxes, insurance, HOA dues, mortgage insurance, and underwriting guidelines.
Real Estate Investor Loans
Financing solutions for real estate investors purchasing or refinancing rental properties, including DSCR and investor-focused lending programs.
Rental Portfolio Growth
Financing for your next investment
Cash-Flow Focused Options
Programs built around investment property goals
Investor Guidance
Clear next steps for qualified real estate investors
Real Estate Investor Loans
Real Estate Investor Loans
Financing solutions for real estate investors purchasing or refinancing rental properties, including DSCR and investor-focused lending programs.
Talk To An Investor Loan SpecialistWhy Borrowers Choose Source One Home Loans
Focused on clear communication, personalized service, and mortgage solutions tailored to your goals.
Personalized Guidance
We take the time to understand your goals and help you explore financing options that fit your situation.
Responsive Communication
Questions don't stop after business hours. We strive to keep borrowers informed throughout the loan process.
Flexible Loan Solutions
From conventional and jumbo financing to VA and investor property loans, we offer a range of mortgage solutions.
Local Market Knowledge
We understand the Texas housing market and work to help borrowers make informed decisions.
Free Mortgage Consultation
Explore your loan options with a focused consultation.
Share your name, contact details, loan goal, and preferred contact method. Your submission is stored for follow-up in the shared lead pipeline.
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