Your broker for Real Estate & Mortgage solutions.
Licensed real estate and mortgage broker serving Lubbock, TX and Austin/Central Texas — helping you buy, sell, and finance with clarity and confidence.
What I do
Buyers & Sellers
Full-service representation for residential real estate transactions in and around Lubbock.
Mortgage Financing
Purchase and refinance solutions tailored to your goals with local market insight.
Investment Strategy
Rental, flip, and BRRRR strategies backed by West Texas market knowledge.
About Broker Brent
Based in Lubbock, TX with frequent time in Austin, I bring a Finance degree from Texas Tech University and formal training from the Rawls College of Business Real Estate program. My coursework focused heavily on commercial real estate and rigorous, applied analysis.
My strongest advisory is investment. I love helping clients buy income‑producing real estate that builds generational wealth — an asset that can compound net worth through equity and appreciation while delivering cash flow.
Mortgage programs
Conventional
Fixed and adjustable-rate options for primary, second homes, and investment properties.
FHA
Flexible credit and down payment options for qualified borrowers.
VA
Zero-down loans for eligible veterans, service members, and spouses.
USDA
Zero-down financing in eligible rural areas.
Jumbo
Higher loan amounts for premium properties.
Refinance
Rate/term and cash-out options to help you optimize payments or access equity.
Live Mortgage Rates
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Conventional
30 Year
—%
FHA
30 Year
—%
VA
30 Year
—%
USDA
30 Year
—%
Jumbo
30 Year
—%
How the process works
Consult
Discuss goals for real estate and financing in Lubbock & West Texas.
Pre-approve
Quickly assess options and budget with a full pre-approval.
Shop & offer
Tour homes, structure offers, and negotiate with confidence.
Close
Coordinate lending, title, and closing with one point of contact.
Service areas
Lubbock, Wolfforth, Shallowater, Idalou, Slaton, Levelland, and surrounding West Texas communities — plus Austin and nearby Central Texas suburbs.
Testimonials
“Brent guided us from pre-approval to closing and made it easy.”
— Client
“Professional, responsive, and truly knows Lubbock.”
— Client
“I got a great rate and a smooth purchase thanks to Brent.”
— Client
FAQs
Pre-qualification is an estimate; pre-approval verifies your info and provides a stronger commitment when you make an offer.
Programs vary from 0% down (VA/USDA) to 3%+ for Conventional. We’ll tailor options to your goals.
Yes. We serve Lubbock and surrounding West Texas communities. Ask about your city.
Yes. While Lubbock is home base, I also serve Austin and nearby Central Texas suburbs through Raider Realty’s Austin office.
Absolutely. I have a Finance degree from Texas Tech and formal real estate training from Rawls. I provide SFR analysis (PGI/EGI, expenses, NOI, cap rate, DSCR, cash‑on‑cash) and full commercial underwriting upon request.
Yes. We assist with sales and leasing and can prepare in‑depth Excel workbooks with waterfalls, GP/LP structures, pro forma underwriting, and capex planning.
Enhanced Mortgage Calculator
Calculate your monthly payment, view detailed amortization schedule, and analyze payment breakdown with interactive charts.
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%
%
Down Payment
$70,000.00
Loan Amount
$280,000.00
Monthly Payment
$1,816.07
Total Interest
$373,786.88
Total Paid
$653,786.88
Interest/Principal Ratio
133.5%
Amortization Schedule
See how your payments break down over time. Showing first year in detail, then years 5, 10, 15, 20, 25, and 30 (if applicable).
Refinance Calculator
Analyze rate & term refinances and cash-out options. Compare current vs. new payments, calculate break-even time, and see total interest savings. Includes closing costs, lender credits, and prepaid items.
Refinance Calculator
Monthly PITI Savings
$267.31
Annual PITI Savings
$3,207.69
Break-even Time
16.8 months
Total Interest Savings
$-14,617.84
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%
$
%
Current Monthly P&I
$1,847.48
Remaining Interest
$304,243.38
$
$
$
Current Monthly PITI
$2,297.48
Taxes & Insurance (monthly)
$450.00
%
New Monthly P&I
$1,580.17
New Monthly PITI
$2,030.17
New LTV
71.4%
New Total Interest
$318,861.22
Interest Savings
$-14,617.84
$
$
$
Total Closing Costs
$4,500.00
Net Cash to Close
$4,500.00
Refinance Analysis
Monthly P&I Savings
$267.31
Monthly PITI Savings
$267.31
Annual PITI Savings
$3,207.69
Break-even Time
16.8 months
Total Interest Savings
$-14,617.84
Excellent refinance opportunity: Break-even in 16.8 months with $3,207.69 annual PITI savings. Your total monthly payment drops from $2,297.48 to $2,030.17.
SFR Deal Analysis
Quickly evaluate single‑family rental opportunities with PGI/EGI, expenses, NOI, cap rate, debt service, and cash‑on‑cash. For commercial deals, we also prepare full underwriting workbooks with waterfalls, GP/LP splits, and pro formas.
SFR Deal Analyzer
Monthly Cash Flow (pre-tax)
$-231.64
Annual Cash Flow (pre-tax)
$-2,779.63
Actual Cap Rate
5.30%
DSCR
0.85
1% Rule (EGI ≥ 1% of price)
Fail
$
%
$
EGI (monthly): $2,500.00
Monthly Operating Expenses%
$
$
$
%
%
$
Monthly Operating Expenses: $1,175.00
Net Operating IncomeTotal Annual Operating Income
$30,000.00
Total Annual Operating Expenses
$14,100.00
Annual NOI
$15,900.00
%
Valuation @ Desired Cap
$159,000.00
$
Actual Cap Rate
5.30%
%
$
%
$
Loan Amount
$240,000.00
Initial Investment
$65,000.00
PI (monthly)
$1,556.64
PI + MI (monthly)
$1,556.64
PITI (monthly)
$2,106.64
Total Annual Debt Service
$18,679.63
Cash Flow and ROI
Monthly Cash Flow (pre-tax)
$-231.64
Annual Cash Flow (pre-tax)
$-2,779.63
Cash-on-Cash Return
-4.28%
Get pre-approved
Start your mortgage application securely online. It only takes a few minutes.