Purchase loans
Conventional, FHA, VA and USDA, matched to your budget and your credit.
NewSame-day pre-approvals are live
Home Loans That
Feel Like Home
Plain-English mortgages for first-time buyers, growing families and retirees. Clear numbers, fast answers and one loan officer from first call to closing.
2,400+Families moved home
$860MIn home loans funded
4.9Average client rating
18 yrsHelping buyers
About Everett
Your loan officer, from first call to closing
For 18 years I have helped families buy, refinance and keep their homes. I explain every number before you sign it, and I pick up the phone when you call.
No handoffs and no jargon. You get one person who knows your file, shops the best loan for your situation and keeps your closing date on track.
- Clear, honest termsEvery fee explained up front
- Same-day pre-approvalKnow your budget before you tour
- One point of contactDirect line, evenings and weekends
Programs
A loan for every stage of homeownership
Start with one program and switch when life changes. One loan officer, one file and one clear plan from the first call to closing day.
Rates & terms
Fixed, adjustable and interest-only terms, with your rate locked up front.
Refinance
Lower your rate and see the new payment before you commit.
FHA & VA loans
Low and zero down payment options for first-time and military buyers.
Payment calculator
See your monthly payment in seconds
Move a slider and watch the number change. Taxes and insurance are included, so there are no surprises later.
Why Everett
Why families choose Hallworth
Straight answers, fast approvals and one person who stays with you until the keys are in your hand.
Explained in
Plain English
Pre-approved in
Hours, not days
Rates that are
Fair rates
Always
One call away
Reviews
Trusted by families across the country
Real stories from buyers, sellers and homeowners who closed with Everett.
4.9
from 320+ client reviews
-
I thought a mortgage would be confusing. Everett walked me through every number and I got the keys to my first home in 24 days.
-
We needed to buy before we sold. Everett found a bridge loan that worked and never let us feel stuck. Our son loves the new yard.
-
Refinancing at our age felt risky. Everett explained every option, cut our payment by $412 a month and answered every call.
-
As a veteran I was worried about the paperwork. Everett handled the VA loan from start to finish and we closed on time.
-
I got pre-approved the same afternoon, which helped my offer win. Honest advice and no pressure at any point.
-
We used our equity to finish the kitchen without selling. Everett laid out the costs clearly and the process was smooth.
FAQ
Questions, answered
The things buyers ask me most, in plain English. Still unsure? Just ask.
-
Less than most people think. Conventional loans start at 3% down, FHA loans at 3.5%, and VA and USDA loans can be 0% down if you qualify. Putting down 20% avoids mortgage insurance, but it is not required.
-
Usually the same day. Send me your income and ID details and I will review them within a few hours. A pre-approval letter makes your offer stronger, so it is worth doing before you tour.
-
Getting a rate estimate uses a soft check that does not affect your score. A full pre-approval needs a hard inquiry, and several mortgage inquiries within a short window count as one.
-
Many conventional loans start around 620, and FHA loans can work with scores in the high 500s. Every situation is different, so I will tell you honestly where you stand and what would help.
-
It can be, if the new payment saves you enough to cover the closing costs within a reasonable time. I will show you the break-even point before you decide, so you only refinance when the numbers make sense.
-
There is no fee to talk, get a pre-approval or compare options. Any lender and closing costs are listed on your Loan Estimate, and I walk through every line of it with you.
Contact
Let’s talk about your home
Tell me a little about what you need. I reply personally within one business day, often within the hour.
- Call or text(555) 010-0142
- Office214 Maple Street, Suite 300, Austin, TX
- HoursMon to Sat, 8am to 8pm