Quick answer: Mortgage Concierge LLC is a mortgage brokerage led by loan officer Andi Smith (NMLS #2243427) that helps home buyers and homeowners across Texas and Oklahoma. As a broker, she can compare loan options instead of sticking to one bank's menu, and she works with FHA, VA, USDA, conventional, jumbo, land, construction, renovation, DSCR and bank statement loans. Call or text (719) 354-1199. We're glad to welcome her as a Love My Texoma Home preferred lender.
🏡 Meet Mortgage Concierge LLC: A Mortgage Broker for Texas & Oklahoma Home Buyers
Buying a home around Lake Texoma rarely looks the same twice. One buyer wants a starter home in Sherman. Another has their eye on ten acres outside Pottsboro. A family on the Oklahoma side is waiting on a builder in Durant's new construction boom. That's why it helps to have a lender who can say yes to more than one kind of loan.
Mortgage Concierge LLC, led by Andi Smith, works with buyers, homeowners and investors in both states. On her Instagram page, she shares plain-English mortgage market updates and reminds buyers of something we say all the time: the rate you see online isn't always the rate you'll get. Your credit, down payment, loan program, property type and points all change the numbers. We like that kind of straight talk.
Lake Texoma sits right on the state line, so a lender who works in both states helps.
💰 Loan Programs Mortgage Concierge LLC Offers
Andi works with the full range of programs a Texoma buyer might run into. Here's the rundown:
- 🏠 Conventional loans: the everyday choice for buyers with solid credit and a down payment.
- 🏡 FHA loans: a lower down payment and more flexible credit guidelines. Great for buyers using our first-time home buyer programs guide.
- 🇺🇸 VA loans: for eligible veterans, service members and surviving spouses.
- 🌾 USDA loans: for eligible rural properties. Many of the small towns around the lake may qualify, so it's worth asking.
- 💎 Jumbo loans: for higher-priced homes, including bigger lake properties and places like Preston Harbor in Denison.
- 🌳 Land loans: financing for lots and acreage. Read our step-by-step guide to buying land near Lake Texoma first.
- 🔨 Construction loans: for building a custom home or buying from a builder. See every new construction neighborhood in Sherman and Highland Homes' current incentives.
- 🛠️ Renovation (rehab) loans: roll repairs and updates into your financing, which opens the door to fixer-uppers like this 2-bed fixer-upper in Denison.
- 🔄 Refinances and home equity loans: including HELOCs for homeowners who have built up equity.
- 📈 DSCR loans for investors: these qualify the loan based on the property's rental income instead of your personal income.
- 📄 Bank statement loans: an option for self-employed buyers who show income through bank deposits instead of tax returns.
- 🏝️ Second homes and investment properties: handy if you're shopping for a Lake Texoma home to use on weekends or rent out.
New construction is booming in Sherman, and construction and builder-financed loans are a big part of it.
Every program has its own rules on credit, down payment and property type, so ask which one fits you best.
📍 Where Does Mortgage Concierge LLC Lend?
Andi serves home buyers across all of Texas and Oklahoma. That covers Sherman, Denison and Pottsboro on the Texas side, and Durant, Kingston, Ardmore and Atoka on the Oklahoma side, plus the small towns and country roads in between. Lake Texoma sits right on the state line, and not every lender is licensed in both states. Having one who is can save you a lot of hassle.
You can start with a quick call or text. No need to drive anywhere to get the conversation going.
Builders are breaking ground in Durant, Oklahoma, too.
🧭 Why Get Pre-Approved Before You Start Touring
Our advice: talk to a lender first. A pre-approval tells you what you can comfortably afford, shows sellers you're serious, and keeps you from falling for a house outside your budget. It also helps you write a stronger offer. Once you're ready, check out what contingencies to include when buying on Lake Texoma and how to work with a local Realtor.
Once your loan is moving, you'll want an inspection too. Meet another preferred partner, A Realistic Home Inspection, a home inspector in Southeast Oklahoma.
Get pre-approved first, then write a strong offer with the right contingencies.
❓ Questions to Ask Any Mortgage Broker
Whoever you choose, here are a few smart questions:
- ✅ Are you licensed in the state where the home is (Texas or Oklahoma)?
- 💵 Which loan programs fit my situation, and why?
- 📋 Can I get a Loan Estimate so I can compare rate, points and fees?
- ⏱️ How long does your process usually take?
- 📞 Who do I call if I have questions along the way?
Talk to more than one lender if you like. It's your money and your home. For more local options, see our Preferred Lenders & Vendors page.
📞 How to Reach Mortgage Concierge LLC
- 📱 Call or text: (719) 354-1199
- 📝 Start your application: Apply online
- 📸 Instagram: @mortgagequeenandi
- 🗺️ Service area: Texas and Oklahoma
- 🪪 Loan officer: Andi Smith, NMLS #2243427 (verify at nmlsconsumeraccess.org)
🙋 Frequently Asked Questions
Does Mortgage Concierge LLC lend in both Texas and Oklahoma?
Yes. Andi serves home buyers across Texas and Oklahoma, including both sides of Lake Texoma.
Which loan programs does Mortgage Concierge LLC offer?
FHA, VA, USDA, conventional and jumbo loans, plus land, construction, renovation, refinance, home equity, DSCR and bank statement loans.
Can I finance land or a new build near Lake Texoma?
Land and construction loans are both on the list. Talk to a lender before you make an offer on a lot or sign a builder contract, since timelines and down payments can look different from a standard purchase.
Can I buy a fixer-upper with a renovation loan?
Renovation loans let you finance repairs and updates along with the purchase. Ask which program fits your home and your budget.
Do I have to use Mortgage Concierge LLC if I work with Love My Texoma Home?
No. You're free to choose any lender you're comfortable with, and we encourage you to compare your options.
You're never required to use any lender or vendor we feature. Compare options and choose who you're comfortable with. See the rest of our Preferred Lenders & Vendors.
Mortgage Concierge LLC, powered by Mortgage Toolbox, Inc. (NMLS #1024678). Andi Smith, NMLS #2243427. Loan programs, rates and terms vary by borrower and property, are subject to credit approval and program guidelines, and can change. This article is for general information and is not a commitment to lend. Equal Housing Opportunity.
