First-Time Desi Buyers
First-time buyer? Shubh aarambh! We'll walk you through every step — from pre-approval to keys — and make sure your family is proud of the deal you got.
Conventional · FHA · Down Payment AssistMatador Lending NMLS #1871433 · Licensed in TX, CA, GA, FL
The No-Haggle Mortgage for Desi Home Buyers
Yaar, we know you can negotiate the price of a mango at the bazaar, haggle a sari down 40%, and talk the auntie next door into a better deal on her paratha recipe.
But your mortgage? You shouldn't have to fight for your best rate. We shop 100+ lenders and bring you the lowest rate upfront — no drama, no back-and-forth, no "let me check with my manager."
100+
Lenders Shopped
$0
Hidden Fees
4
States Licensed
H1B
Visa Friendly
Get Your Best Rate Today
No haggling required. We'll do the shopping for you.
or call us directly
Call (713) 366-4668Your information is secure and never sold
Get Your Best Rate Today
No haggling required. We'll do the shopping for you.
or call us directly
Call (713) 366-4668Your information is secure and never sold
The MasalaLoans Difference
Yes, We Know You'd Haggle. That's Why We Do It For You.
Legend has it that South Asians negotiated a better price on the very first mango ever sold. We deeply respect this cultural superpower. But here's the thing — mortgage lenders don't respond to haggling the way the sabziwala does.
In a mortgage, you don't haggle after they give you a rate. The real negotiation is shopping multiple lenders before you commit — something most buyers never do because it's exhausting. That's our full-time job.
Typical Mortgage Experience
- One lender gives you a rate
- You try to "negotiate" it down
- They say "that's our best rate"
- You have no idea if it's true
- Hidden fees in the fine print
- Rate changes at closing
- Nobody explains H1B / EAD options
- You feel alone in the process
The MasalaLoans Way
- We shop 100+ lenders for you
- Best rate is shown upfront
- All costs disclosed in writing
- H1B, EAD, NRI experts on staff
- Same rate at closing — guaranteed
- No pressure. No drama. No haggling.
- We speak your language (literally)
- Auntie approved. NMLS certified.
Simple as Biryani
Getting Your Mortgage Shouldn't Be More Complicated Than a Visa Interview
We've streamlined the process so you can focus on finding your dream home — not drowning in paperwork.
- 1
Apply in 5 Minutes
Fill out our short form or call us. No lengthy applications, no stacks of documents upfront. We start with a quick conversation.
- 2
We Shop 100+ Lenders
Our team searches across 100+ banks, credit unions, and wholesale lenders to find the lowest rate for your exact scenario — H1B, EAD, RSU income, and all.
- 3
You Choose Your Rate
We present your options clearly — no jargon, no pressure. You see exactly what you'll pay and exactly what you'll save. Then you decide.
- 4
Close & Celebrate
We handle the entire closing process. You show up, sign, and get the keys. Time to call the parents and tell them you're a homeowner!
Specialized Loan Programs
We Speak Desi. We Speak Mortgage. We Speak Both Fluently.
Most lenders don't understand the unique financial situations of South Asian immigrants. We've built our expertise around exactly that.
H1B & EAD Visa Holders
FHA changed its rules, but conventional loans are still available for H1B and EAD borrowers. We know exactly which lenders will approve you and under what terms.
Conventional · Non-QM · JumboNRI & OCI Card Holders
Non-Resident Indians and OCI card holders can buy investment property in the US. We specialize in DSCR and foreign national loans for NRI buyers.
DSCR · Foreign National · InvestorTech Workers with RSU/Bonus Income
At Google, Amazon, Microsoft or a startup? RSU and bonus income can boost your qualification amount — if your lender knows how to count it. We do.
Jumbo · Conventional · RSU-FriendlySelf-Employed Desi Entrepreneurs
Running your own business? We have bank statement loans and 1099 programs for self-employed borrowers who can't show traditional W-2 income.
Bank Statement · Non-QM · 1099Joint & Multi-Family Purchases
Buying with parents, in-laws, or multiple family members? Multi-borrower loans can increase your purchasing power. We structure these deals every day.
Multi-Borrower · Jumbo · ConventionalOur Markets
Jahan Desi, Wahan MasalaLoans
We're licensed where the largest South Asian communities in America call home.
Texas
Telugu, Gujarati, Punjabi, Tamil, Bengali communities
Houston · Dallas · Frisco · Sugar Land · Plano · Austin
Georgia
Telugu, Tamil, Gujarati communities — fastest growing desi metro in the US
Alpharetta · Johns Creek · Duluth · Forsyth County
California
Silicon Valley's massive desi tech community · Gujarati community SoCal
Fremont · Sunnyvale · Santa Clara · Irvine · Cerritos
Florida
Growing South Asian communities across central and south Florida
Orlando · Tampa · Jacksonville · Boca Raton · Miami
Why MasalaLoans
We're Not Just a Mortgage Broker. We're Your Community's Broker.
We Shop. You Save.
Unlike big banks that only offer their own rates, we're an independent broker. We search across 100+ wholesale lenders to find your lowest rate — and we're paid the same regardless of which lender you choose.
Visa Situation? No Problem.
H1B, EAD, L1, O1, TN, pending green card, I-485, OCI — we've helped borrowers with every immigration status. We know exactly which lenders approve which visa types.
No Jargon. Full Transparency.
We explain everything in plain English, and if needed, in Hindi, Telugu, Gujarati, or Punjabi. You'll know exactly what you're signing before you sign it.
Gift Money from India? We've Got You.
Using NRE funds or gifts from parents in India for your down payment? We help you document it properly. IRS Form 3520, gift letters, wire documentation — we've done this hundreds of times.
Fast Pre-Approval
Our pre-approval letters are ready in 24–48 hours. In competitive markets like Dallas, Atlanta, and the Bay Area, speed matters. We help you move fast without cutting corners.
Matador Lending Behind You
MasalaLoans is powered by Matador Lending — a fully licensed mortgage brokerage (NMLS #1871433) with real licensing and real accountability in TX, FL, GA, and CA.
From the Blog
Finally, Mortgage Advice That Actually Understands Your Situation
Yes — but it requires specific documentation. We break down IRS Form 3520, NRE account transfers, seasoning requirements, and what your lender needs to see.
Moving From the Bay Area to Dallas or Houston: What Actually Changes in Your Monthly Payment
Dallas is the second-largest Indian-American metropolitan area in the country, with roughly 270,000 people, behind New York and just ahead of San Francisco's 260,000. That is Pew Research's 2023 data,
Read more
Your Texas Escrow Payment Will Jump in Year Two. Here's Why.
Your principal and interest are fixed for thirty years. Your total monthly payment is not, and in Texas the second year is where that distinction stops being theoretical. The call we get every January
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Halal Home Financing in the US: How Diminishing Musharaka, Murabaha and Ijara Actually Work
Start with the disclosure that belongs at the top rather than buried in a footer: Masala Loans does not originate Sharia-compliant home financing contracts. This post is educational. It is not an offe
Read moreFAQ
Questions We Get from Every Desi Home Buyer
Can I get a mortgage on an H1B visa?
Yes! H1B visa holders can qualify for conventional loans (Fannie Mae/Freddie Mac). You need at least 2 years remaining on your visa, stable employment history, and typically a 620+ credit score. FHA changed their guidelines in 2025, but conventional options remain strong. MasalaLoans specializes in exactly this scenario.
What does "no haggle" actually mean?
It means we do the rate shopping for you. We shop 100+ wholesale lenders upfront and present you your best available rate immediately — no games, no bait-and-switch. You see all costs, all fees, all options transparently. That's our guarantee.
Can I use gift money from my parents in India for my down payment?
Yes — but documentation is essential. The funds need to be traceable, with wire transfer records, a gift letter, and sometimes IRS Form 3520 if the gift exceeds $100,000. We help South Asian buyers navigate this process regularly.
I'm on an EAD card with a pending I-485. Can I still buy a house?
Absolutely. EAD card holders with a pending green card (I-485) are eligible for conventional loans. Having an approved I-140 significantly strengthens your application even if the green card itself hasn't been issued yet.
Do you offer mortgages to NRIs buying property in the US?
Yes. We offer DSCR and foreign national programs specifically for NRIs and OCI card holders investing in US property in Texas, Florida, Georgia, and California.
Our Clients' Parents Are Proud
Nothing makes a South Asian family happier than a smart financial decision.
“I was on an H1B and everyone told me I couldn't get a good mortgage. MasalaLoans found me a conventional 30-year at a rate better than what my US citizen coworkers got.”
“My parents were sending gift money from their NRE account in India. MasalaLoans walked me through every single step. We closed on time with zero issues.”
“As an NRI, I thought buying in the US would be a nightmare. MasalaLoans explained DSCR loans, found me a lender in one week, and handled everything remotely.”
Apna Ghar. Your Dream Home. Your Best Rate. No Haggling.
Whether you're on H1B, EAD, a green card, or just a regular American dreaming of a desi-style home with a puja room — we're here for you.