Strategic Lending Advisor · Dallas, Texas
Home Loans for Life's More Complex Deals
Most lenders want a simple W-2 and a spotless file. I specialize in the buyers they struggle with, from visa professionals and veterans to the newly divorced, the self-employed, real estate investors, and international buyers using an ITIN. Bilingual guidance across Texas and 38 states.
Oscar Acosta, Strategic Lending Advisor. NMLS #1876248. Bilingual, English and Español.
Which situation fits you?
Six specialties, one advisor who plans the deal early.
Visa Professionals
H-1B, L1 & H-4 Buyers
Qualify with confidence, even mid-renewal, with RSU income, or a thin U.S. credit file.
See visa loans
Veterans
VA Renovation & Purchase
Buy or renovate with your VA benefit and $0 down up to your entitlement.
See VA loans
Divorce
Equity Buyout Refinance
Keep the house and buy out your ex's share, planned around your decree.
See buyout options
Self-Employed
Bank-Statement & Non-QM
Qualify on your real cash flow, not just the income left after write-offs.
See self-employed loans
Investors
DSCR & Portfolio Loans
Qualify on the property's rent, close in your LLC, and scale your portfolio.
See investor loans
ITIN & Foreign National
Buy Without an SSN
Purchase with an ITIN or as a foreign national, using the income and assets you already have.
See ITIN loans
How it works
Three steps, no guesswork.
Planning Call
We start with a short call to map your situation, your numbers, and your goals. No pressure, just a clear read on where you stand.
Strategy and Execution
I position your file around the details that matter for your deal, then handle the lender side so you can focus on what counts.
Close with Confidence
You get a clean pre-approval and a team that communicates in English or Spanish all the way to closing day.
Meet Oscar Acosta
I am a bilingual Strategic Lending Advisor with Mpire Financial, helping families and professionals close the deals other lenders overcomplicate. Whether you are buying your first home on a visa, renovating with your VA benefit, or scaling a rental portfolio, I plan the strategy early and handle the details so you can move with confidence. Se habla Español.
What clients say
Real families and professionals across Texas.
★★★★★
Oscar went to the moon and beyond for my clients. Very knowledgeable and capable, always there to answer questions when we need it. One more family is enjoying their new home. You rock!
Rita Saenz-Pragner
Realtor
★★★★★
From our first conversation through the whole process, Oscar was professional and highly knowledgeable. He made an otherwise stressful event smooth and successful. We highly recommend Oscar and the Mpire Financial team.
Mara Nieves
Home Buyer
★★★★★
Oscar nos apoyó durante todo el proceso de compra de nuestra casa con un profesionalismo excepcional. Nos explicó cada detalle con claridad y nos dio confianza en cada paso. Si tuviera que recomendar a alguien, sería a Oscar sin dudarlo.
Christian Andrade
Comprador
Start with strategy, not a rate quote.
Whatever your situation, we plan the details early so you are ready before you are competing on an offer.
Book Your Planning CallPrefer to talk now? Call (469) 484-7608