FHA loans
The first-time buyer's workhorse: 3.5% down with qualifying credit and room for a less-than-perfect file.
Learn more about FHA loans →Rosalyn Brookes, mortgage loan originator in Texarkana
Your first homeis closerthan you think.
I'm Rosalyn. One application with me gets shopped across a network of lenders through Utopia Mortgage, so first-time buyers, FHA borrowers, and families who were told "not yet" get a real answer. Licensed in Texas and Arkansas.
5.0 ★★★★★Average of 23 client reviews
TX + ARLicensed in two states
11Loan programs, one application
7 daysEvenings and weekends by appointment
Which loan fits you
Eleven ways to get to the keys
Most people only ever hear about one kind of loan. As a broker I can place you in the one that actually fits your credit, your savings, and your timeline, and I'll explain why.
Conventional loans
Stronger credit and savings can mean a lower cost over the life of the loan, and mortgage insurance that goes away.
Learn more about Conventional loans →VA loans
For eligible veterans, service members, and some surviving spouses. No down payment required for most.
Learn more about VA loans →USDA loans
Zero down in eligible rural and small-town areas, which covers more of Texas and Arkansas than people expect.
Learn more about USDA loans →Down payment assistance
Texas and Arkansas programs that cover part of the down payment or closing costs for buyers who qualify.
Learn more about Down payment assistance →Refinance
Lower the payment, drop mortgage insurance, shorten the term, or pull cash out. We'll check whether it's worth it first.
Learn more about Refinance →Jumbo loans
Financing above the conforming limit for higher-priced homes, with lenders that specialize in it.
Learn more about Jumbo loans →Bank statement loans
Self-employed? Qualify on 12 or 24 months of deposits instead of tax returns.
Learn more about Bank statement loans →DSCR investor loans
Rental properties qualified on the rent they bring in, not your personal income.
Learn more about DSCR investor loans →Lower credit
Lenders set their own minimums. Some of mine go where the big banks won't, and I look at the whole file.
Learn more about Lower credit →Manufactured homes
Financing for manufactured homes on a permanent foundation, including FHA, VA, and USDA options.
Learn more about Manufactured homes →Wholesale, not retail
One application. Many lenders.
A bank can only offer its own loans. Through Utopia Mortgage I send your one application to a network of wholesale lenders and pick the fit for your credit, your down payment, and your timeline. You never fill anything out twice.
Apply onlineHow it works
- Apply onceAbout fifteen minutes online, or on the phone with me if you'd rather talk it through.
- I shop itYour file goes to the lenders that fit your situation. I compare the actual offers, not the ads.
- Pre-approval letterOnce your documents are in, you get a letter that listing agents take seriously.
- Close and get the keysI stay on your file through underwriting, appraisal, and closing day.
Who you're working with
Meet Rosalyn
One person handles your loan from the first call to closing day. Here's who that is.
Mortgage Loan Originator, NMLS 2477989
Rosalyn Brookes
I help first-time buyers and families who were told "not yet" get a real answer. As a broker with Utopia Mortgage I shop one application across many lenders, and I work evenings and weekends because that's when most people can talk.
More about Rosalyn
I'm Rosalyn Brookes, a licensed mortgage loan originator based in Texarkana and licensed in Texas and Arkansas. I work with Utopia Mortgage, a wholesale brokerage, which means I'm not tied to one bank's products. One application from you lets me compare options across a network of lenders and pick the one that fits your situation, not the other way around.
My specialty is buyers who think homeownership is out of reach. A lot of the people I work with are buying their first home, using FHA financing, or leaning on a down payment assistance program to get the keys sooner. Plenty of them were turned down somewhere else first. I'd rather look at the whole picture than a single number, and if the honest answer is "not yet," I'll tell you exactly what would change that and stay in touch until it does.
I'm also a licensed Texas Realtor, so I've sat on the other side of the contract. I know what a listing agent looks for in a pre-approval letter and how to keep a deal from falling apart between contract and closing.
Most of my clients work during the day, so I take calls and meetings in the evenings and on weekends by appointment. Spanish translators are available for any conversation, from the first question to the closing table.
Client reviews
What clients say
5.0
★★★★★Average of 23 Google reviews
Rosalyn is THE BEST!! She made the entire process, from looking at homes to signing the closing paperwork, so smooth! We have appreciated her ability to interpret the real estate terminology for these first-time home buyers.
She was amazing! Made sure we understood everything and if we had questions she was very open to answer them! Our process went really smoothly and she was very honest and helpful! I recommend her to anyone who is looking for their future home!
Rosalyn was amazing to work with! She really listened to what I wanted, was always quick to respond, and made the whole home-buying process so easy and stress-free. She gave great advice, knew the market inside and out, and helped me find the perfect home. I couldn't be happier and highly recommend Rosalyn to anyone looking to buy!
Absolutely great to work with! Made our move into the house of our dreams a smooth and easy process! I would recommend them to anyone looking to buy a home!
“We are so thankful we chose Rosalyn to be our realtor! She walked us through our entire home buying process from start to finish. She answered all of our questions, and always kept our best interest in mind. She is very personable and professional, we cannot recommend her enough! Chose Rosalyn as your realtor, you won’t regret it! ❤️”
Questions
The questions people ask first
What credit score do I need?
Lenders set their own minimums and they differ by program. FHA is the most forgiving, and some of the lenders I work with go lower than the big banks. Tell me your situation and I'll tell you where you stand and what would move the number.
How much do I need for a down payment?
Usually less than people think. FHA allows 3.5% with qualifying credit, VA and USDA can be zero down for eligible buyers, and Texas and Arkansas assistance programs can cover part of it. We'll run the real numbers for your price range.
What do I need to apply?
A photo ID, your two most recent pay stubs, two years of W-2s or tax returns, and two months of bank statements. Self-employed? Bring what you have and we'll go from there.
Does applying hurt my credit?
A mortgage application is one credit pull, and as a broker I can share that one report with every lender I send your file to. You're not pulled again for each one.
Are you a bank?
No. I'm a licensed mortgage loan originator with Utopia Mortgage, a wholesale brokerage. That's the whole point: I can shop your loan instead of selling you one.
Do you work with Spanish-speaking buyers?
Yes. Spanish translators are available for every conversation, from the first call to the closing table.
When can we talk?
The office is open Monday through Friday, 9:00 AM to 5:00 PM, and I take calls and meetings evenings and weekends by appointment. Call or text (903) 309-3826.
Ask Rosalyn
Not ready to apply? Tell me where you are and I'll call you back.
Got it, thank you
Your note is in. I'll call you back, usually the same business day. Need us sooner? Call (903) 309-3826.