It’s less about the number and more about the ratio.
Lenders look for:
– A debt-to-income (DTI) ratio below 43%-45% (some loans can go higher)
– Stable job history (W-2 or solid self-employment)
– Enough income to cover mortgage + taxes + insurance + debts
We’ll help you run the numbers. You might be closer than you think.
The Spiegel Group, led by Robert Spiegel, aims to consistently be in the top 1% of loan origination teams in the nation.
Republic State Mortgage is committed to building relationships that deliver happiness and fulfill the American Dream. This purpose statement is how we approach each and every one of our customers. We care about the people we serve.
Company NMLS: 62411
Equal Housing Opportunity
© 2025 Republic State Mortgage Co. All Rights Reserved. NMLS 62411. 815 Hawthorne Street, Houston, TX 77006. Phone: 713-961-5363
This is not an offer for an extension of credit or a commitment to lend. All applications are subject to credit and property approval.
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR A LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 N. LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED MORTGAGE BANKER RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans may be arranged through third party providers.
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