Discovery call
We start with your goals, timeline, property plans, and the questions keeping you up at night.
Start an applicationFirst-time homebuyer specialist · Texas & Washington · NMLS 65172
Clear mortgage advice.
More ways to win.
Buying your first home? I specialize in first-time homebuyer loans and programs, with clear guidance, a full financial analysis, and loan options matched to your real goals.
Secure application · No commitment to proceed
Run the numbers
What could your payment look like?
Adjust the numbers for a quick principal-and-interest estimate. When you are ready, I’ll build the complete picture around taxes, insurance, loan programs, and your goals.
Estimated principal & interest$2,560/month
Estimated loan amount: $405,000
Get your personalized numbers ↗For educational purposes only. This estimate excludes property taxes, homeowners insurance, mortgage insurance, HOA dues, and other costs and is not a quote or commitment to lend.
For real estate professionals
A lending partner who helps protect the deal.
Fast answers, clear expectations, and consistent communication from preapproval to closing. I keep buyers informed and agents in the loop—so everyone can move with confidence.
- Thorough buyer preparation before the offer
- Responsive scenario reviews and strategy
- Proactive milestone updates through closing
01 Compare across 170+ lenders*
02 No padded lender fees
03 One clear point of contact
From first call to clear to close
A process built around
better decisions.
No guesswork. No disappearing act. You’ll know what we need, what comes next, and why.
Application + analysis
Complete a secure application with a soft credit check, then receive a full financial analysis—not a one-size-fits-all quote.
Start application ↗Strategy meeting
We meet by Zoom to compare practical options, costs, tradeoffs, and a recommended path forward.
Back to your agent
Once your plan is clear, we reconnect you with your real estate agent and keep the team aligned through closing.
Why work with a broker?
More lenders.
More leverage.
Less noise.
Average clear to close*
A focused process and a team that keeps the loan moving.
Lender relationships*
We shop across a broad wholesale network to find a strong fit for your situation.
Transparent costs
No bogus or padded lender fees. We explain the costs and tradeoffs before you commit.
TX + WA expertise
Licensed mortgage guidance for buyers and homeowners across Texas and Washington.
First home, clear plan
First-time buyer questions, answered.
You do not need to have everything figured out before the first conversation. We’ll work through the numbers, options, and next steps together.
How much do I need for a down payment?+
It depends on the loan program and your qualifications. Some eligible buyers may have low-down-payment or assistance options. We’ll compare the cash needed, monthly payment, and long-term cost—not just the smallest down payment.
Will checking my options hurt my credit?+
Mike’s secure application starts with a soft credit check when available. We’ll confirm the process and timing before any hard inquiry is needed.
Should I get preapproved before touring homes?+
Yes. A thoughtful preapproval helps define a comfortable price range, identifies issues early, and makes your offer stronger when the right home appears.
What costs are due besides the down payment?+
Plan for closing costs, prepaid taxes and insurance, inspections, and possibly reserves. Your personalized review will show the estimated cash needed so there are fewer surprises.
How long does the mortgage process take?+
Timing varies by loan, property, documentation, appraisal, and lender. The best way to keep it moving is to prepare early and respond quickly to document requests.
Ready to turn questions into a plan?
Start your secure application ↗Financing that fits the plan
Not every loan belongs
in the same box.
Conventional
Flexible options for primary homes, second homes, and investment properties.
Explore your options ↗FHA
Lower-down-payment possibilities for qualified buyers, including many first-time buyers.
Explore your options ↗VA
Benefits-focused financing for eligible veterans, service members, and surviving spouses.
Explore your options ↗Jumbo
Thoughtful solutions for homes above conforming loan limits.
Explore your options ↗Refinance
A numbers-first review of rate, term, cash flow, equity, and total cost.
Explore your options ↗First-time homebuyers
Specialized guidance on first-time buyer loans, available assistance programs, preparation, and a clear plan from preapproval through closing.
Explore your options ↗
Meet your loan officer
Direct answers.
Personal follow-through.
For more than 26 years, Mike Kleckner has helped homebuyers and homeowners make confident financing decisions.
Mike specializes in first-time homebuyer loans and programs, helping buyers understand qualification, down-payment options, available assistance programs, monthly payments, and the full cost of homeownership. He combines long-standing industry experience with access to a broad wholesale lender network, helping clients compare options without pressure or jargon.
Beyond the mortgage
Sports taught me the value of preparation, teamwork, and showing up when it counts.
I bring that same game-plan mindset to every loan: know the goal, communicate clearly, and keep the whole team moving together until the deal is finished.
First-time buyer specialistNMLS 65172Licensed in TexasLicensed in Washington
Work with Mike ↗
Local guidance, wherever you are
Mortgage help in
Texas & Washington.
Texas home loans
Serving buyers and homeowners across Dallas–Fort Worth and throughout Texas.
Washington home loans
Experienced guidance for purchase and refinance clients across Washington.
Ready when you are
Let’s make the next move
the right one.
Start securely with a soft credit check and a full financial analysis.
Begin your application ↗