Find your way home with us

Here’s why we are different


You want to buy a new home, and time is of the essence. We get it. Cross Timbers Mortgage uses cutting edge technology to get your loan commitment as fast as possible and get it closed quickly. Our loan application and approval process is painless, pleasant, and precise. Here’s what you can expect:

We Have a Chat

A Cross Timbers Mortgage loan officer will consult with you on your credit, manage expectations, and go over in detail what your available financing options are based on your situation and needs. We’ll then help you pick your perfect match loan, including the loan program and interest rate, that is ideal for your family.

Apply for Your Loan

We move full speed ahead with your application, which includes gathering as much information as possible upfront. We’ll then inform you what additional documents are needed, including tax returns, pay stubs, bank statements, and employment history.

Appraisal and Underwriting Submission

After we receive the requested documents from you, we’ll promptly order an appraisal, title insurance, tax transcripts, verify your employment, and gather other documents needed for closing. We review your file and “pre-underwrite” your loan, submitting a complete file to underwriting.

Conditional Approval and Loan Commitment

This is the step when you can breathe a sigh of relief. Your loan has been approved, but it comes with conditions that must be met before it can close. You’ll receive your loan commitment subject to these conditions, which your loan consultant will work with you to address and resolve.

Outstanding Documents Submitted for Closing

We’ll gather your additional documents noted in the conditional approval, as well as the third-party paperwork we ordered on your behalf. We then submit it all to the underwriter for “clear to close” on your loan.

Underwriter Sign Off

The underwriter reviews your loan, affirms that all conditions have been met, and signs off on approval. Now your loan is officially ready to close!


Congratulations! You’re about to become a homeowner. We’ll schedule your closing, work with the title company to assemble the final paperwork, and confirm the total funds needed at the closing table. The last step is receiving
the keys to your new home!

Whether you’re looking to move into a new home or move towards refinancing your existing mortgage, let’s get you moving in the right direction.


Thanks so much to Chad and Kim Caplinger for helping another one of my family members with a mortgage. My sister is a tough customer and your customer service and genuine concern for them was unbelievable.

Sheri Shanks

Stop looking for a mortgage company, since you’ve found the best right here. The good folks at Cross Timbers served as excellent guides, staying with us through the 18-month process (no fault of theirs) of financing a new home and served as advocates for our interests the entire way. They answered so many questions and patiently provided clear explanations of complicated issues. We are so glad they were our team!

Marty Kessler

I just wanted to tell you “Thank You” for the outstanding job you did with the mortgage for this closing. Although I was the listing agent for the sellers, I was very impressed with the weekly updates that you provided for all parties and how smoothly the closing went. This is not always the case….lol.

Tina Fortune

Awesome company with awesome people! Thank you Chad, Michael and the rest of your team. They made my home buying experience easy and stress free. I definitely recommend if you’re looking for a mortgage company to help with financing your new home.

Nathaniel Sweet

Let’s get you pre-approved for your
mortgage or refinance today!

Please fill out the form below and let’s get started right away.