Rates that compete
Access to a wide network of lenders, so your rate is priced to win and compared side by side with you.
50+lender partners compared
- Families Home
- 1,850+
- Loans Funded
- $640M+
- Years Lending
- 14+
Daniel Brooks, the loan officer who makes your home loan simple.
From pre-approval to closing day, Daniel guides buyers and homeowners through every stage with honest numbers, fast answers and a loan built around your goals.
About Daniel
A lender who explains every number before you sign.
Daniel Brooks has spent 14 years helping Austin families buy, refinance and tap their home equity. He began at a local credit union, founded Brooks Home Lending in 2016, and built it on one rule: no surprises at the closing table.
Every loan is matched to your plans, not to a rate sheet. You get one point of contact from pre-approval to keys, plain-English answers and updates before you have to ask.
- 01
Straight answers
Costs and timelines laid out up front, in writing.
- 02
One point of contact
Daniel handles your file himself, start to finish.
- 03
Fast pre-approvals
Most buyers hold a letter within 24 hours.
Book a Free Call
Licensed in Texas · Equal Housing Lender
Loan Programs
Financing built around where you are in the journey.
Tap a program to see the numbers, who it fits and what Daniel will ask for. No jargon, no pressure.
Not sure which fits?
A 15-minute call maps your options.
Book a Free Call
Why Daniel
Why families choose Brooks Home Lending.
A good loan is only half the job. The other half is how it feels to get there: clear, calm and personal.
Answers in 24 hours
Most pre-approvals land the next business day, so you can make confident offers while the home is still available.
24htypical pre-approval time
Costs without surprises
Every fee is itemized up front, in writing, and checked again before closing so the final number matches the first.
$0surprise fees at the table
One point of contact
You work with Daniel directly. No call centers, no hand-offs and no waiting on a ticket number for an answer.
1:1direct line to Daniel
Austin local expertise
Daniel knows the neighborhoods, appraisers and title teams, and how to keep a contract moving when it matters.
1,850+Austin families home
Closing on time
A clear timeline from application to keys, with a weekly check-in from Daniel until the day you close.
98%closed on schedule
Ready to see your numbers?
A 15-minute call is all it takes to map your options.
How it works
From first call to front door in five clear steps.
No guesswork. Here is exactly what happens, and roughly when it happens.
01Day 1
Free consultation
A 15-minute call with Daniel. You share your goals, he explains your options in plain English.
- No credit pull yet
- Honest numbers, no pressure
02Within 24 hours
Get pre-approved
Send a few documents securely. Daniel reviews them and issues a pre-approval letter you can make offers with.
- Secure document upload
- Letter ready for your agent
03Weeks 1 to 4
Shop with confidence
Search knowing your real budget. When your offer is accepted, Daniel orders the appraisal and coordinates with your agent and title.
- Budget checked against real payments
- A weekly check-in from Daniel
04Days 10 to 20
Lock your rate
Daniel locks your rate at the right moment while underwriting verifies your file, then clears every condition so nothing surprises you.
- Rate lock options explained
- Conditions cleared early
05Around day 21 to 30
Close and get your keys
A final walkthrough of your numbers, a signing at the title company, and the keys are yours. Daniel is there until you sign.
- Final costs match your estimate
- Often closes ahead of schedule
Client stories
Families who closed with Daniel.
Real words from buyers, owners and refinancers across Austin.
4.9
from 320+ client reviews
1 / 5Drag or swipe the cards
Daniel explained every number before I signed. No surprises at the table, just the keys. I had my pre-approval the next morning.
Questions
Answers before you ask.
The questions Daniel hears most from buyers and homeowners. Anything else, just ask.
Ask Daniel directlyLess than most people think. Conventional loans start at 3% down, FHA at 3.5%, and VA loans can be 0% for eligible veterans. Daniel will show you the monthly payment at each level so you can pick what fits.
Most programs start around 620, and FHA can work from 580. A higher score earns a better rate, and if yours needs work Daniel will give you a clear plan to get there.
Most pre-approvals are ready within one business day of receiving your documents. Have your recent pay stubs, two years of tax returns and two months of bank statements handy.
A pre-approval uses a credit inquiry, which can lower your score by a few points for a short time. Multiple mortgage inquiries in a short window count as one, so it is safe to compare offers.
It can, when the new rate is meaningfully lower and you will stay long enough to pass the break-even point. Daniel runs those numbers for free and will tell you honestly if waiting is smarter.
Yes. Bank-statement loans let you qualify on your real deposits instead of the income left after write-offs. Expect to provide 12 to 24 months of business bank statements.
Closing costs are the lender, title and prepaid fees, typically 2% to 5% of the loan. Daniel itemizes every one up front, and in some cases the seller or a lender credit can cover part of them.
Contact
Let us talk about your home loan.
Tell Daniel what you are planning. He will call you within one business day with a clear way forward.
- HoursMon to Fri 8am to 6pm, Sat by appointment
Thank you
Daniel will call you within one business day.