Matador Lending NMLS #2072896 · Licensed in TX, CA, GA, FL
Irving, TX
Mortgages for Irving and Coppell, including Valley Ranch condos and townhomes and H-1B consulting income. No invented approval rates.
Loan officer Apurva Sanghavi, NMLS 227127. Company NMLS ID 2072896. NMLS Consumer Access
Irving and Coppell sit between Dallas and Dallas Fort Worth International Airport. Valley Ranch is a master-planned area in Irving. The housing stock includes houses, townhomes, and condominiums. Coppell is smaller and is split by Dallas and Denton counties.
Many buyers in this corridor are on H-1B or another work visa and are paid as W-2 employees, as consultants, or through their own company. Those are different income files. A consulting contract is not the same document as a W-2 pay stub.
Masala Loans is a brand of Matador Lending. The office is at 5718 Westheimer Rd. Suite 1000, Houston, TX 77057. We do not have a branch in this city. Meetings are by phone, video, or WhatsApp.
This page does not quote rates, payments, taxes, or insurance. Those come from the lender, the tax office, the insurer, and the condo or homeowners association on a specific property.
A townhome that sits on its own lot is often underwritten as a house. A condominium is underwritten as a unit in a project. Many lenders ask for a condo questionnaire: owner-occupancy, reserves, insurance, any litigation, and whether a single owner holds a large share of the units. Some projects are ineligible for agency loans. A non-agency lender may still look at the project, with different rules.
Homeowners association dues are part of the housing payment. They are not included in the tax bill. The resale certificate or the HOA statement is the source for the amount. We do not estimate Valley Ranch dues.
If you are a W-2 employee of a consulting firm, the lender usually starts with pay stubs, W-2s, and a verification of employment. If you are paid on a 1099, or you invoice through your own entity, the lender may treat you as self-employed and ask for tax returns or a bank-statement program. Corp-to-corp arrangements need the contract and a paper trail from the client to your account.
Fannie Mae B2-2-02 does not require a set number of years left on the visa. A lender can still ask for the visa, the I-94, and an employer letter. We will not tell you that every consulting file is approved.
No. Valley Ranch includes single-family homes, townhomes, and condos. The legal description, not the marketing name, tells the lender which rules apply.
Yes, a file can have more than one borrower. Each person still has to document status, income, and credit. We do not promise that combining borrowers raises the price you can pay.