CH Lending – Competitive Home Lending

Competitive Loan Programs, Lowest Mortgage Rates

Welcome to the Loan Center!

We believe in providing as much loan information as possible to make the mortgage process simple. We take the time to explain the process and the programs because mortgages are not “one-size fits all”. Spending time understanding your needs ensures you get the best mortgage loan possible.

Preferred Realtor

What Our Clients Say

After having tried to obtain a home equity refinance thru two other mortgage brokers that only tried to check blocks and force me into a mortgage that was not appropriate for my circumstances that ended in them accusing me of fraudulently attempting to get a mortgage, I was relieved and gratified to have Raul and Emily personally address my needs and my qualifications that resulted in me getting everything I wanted and needed and for LESS FEES AND LESS MORTGAGE INTEREST than the previous bumblers. You need a mortgage and want the best deal and customer service?? This is the place to go!!read more

joanne darling

02:37 19 Apr 18

There is so much good to say about the staff at Competitive Home Lending that it would take me too long to write it all.Let me just say this: In a million years, I could have never guessed that the process of getting into a new home would be as stress-free and quick as it was with the help of CHL.I cannot recommend these guys enough. With the exception of one thing we had to send via FedEx, everything else was handled online. Although they were on the other side of the state, I never felt like they were farther away than down the street. Thanks to email and digital signatures, I could go over all paperwork from the comfort of my own home without having to drive anywhere.Even when a notary was needed to be brought in, CHL made arrangments to have him meet us at my office. Talk about service!Do yourself a favor, if you need any of the services CHL provides, don't bother looking anywhere else. Hire them! These guys rock! \m/read more

Mariano Rivera Jr.

19:30 09 Apr 18

Customer service is a thing, again. Thanks to Raul and Emily mortgage lending is quick and painless. Every call and email were answered promptly. Raul explained every detail of the lending process with patience and knowledge. I thought his video updates were great. Emily communicated every update through the process, keeping me in the loop and reducing any anxiety. I would absolutely recommend Competitive Home Lending to friends, family and even my enemies. If you want it done right CHL is no doubt the way to go!read more

Araceli Casares

17:37 09 Apr 18

Great company Raul and Emily takes you thru all steps with ease. They never waver in their goal of making your dream as a home owner come true. Many problems came up but they addressed them head on and told us we could work it out. Raul stayed in contact daily telling us the status of the application as well the next steps and corrections needed. My wife and i were please because they made us feel like it was their home and nothing would stop them from finishing the goal of being new home owners. Thanks to the great team at competitive home lending for helping with this like long dream.read more

James Simmons

20:13 05 Dec 17

The folks at Competitive Home Lending are fantastic! My wife anf I are not well versed in what it takes to pull funds from our home equity and we are somewhat reluctant to mess with our existing mortgage because of the difficulties we ran into when we originally financed the house. It took over four months of paperwork to put the original loan together. We recently found ourselves under pressure to repair some items around our home that cost way more than any amount of money we could lay our hands on. The main item was over 200 feet of wood fencing which was very expensive to replace. We were getting letters from our homeowners association that threatened legal action if were did not get this handled.. During our search for possible solutions Raul at Competitive heard of our situation.Because of our prior problems with setting up a mortgage My wife and I were very nervouse about the whole process of getting the loan process going. I must have asked 10,000 questions, sometimes I asked the same questions more than once. Both Raul and Emily were very patient with us and never seemed to be "Put Out" by our many questions. On top of everything else our credid was not spotless. I have battled Cancer for a good many years which made our financial picture a little beat up. Raul and Emily were very careful to cover all of our questions in a way we could understand . They made sure we knew what the new payments would be and all cost was given to us in writing. We had all of our facts needed to ease us through the process without making us nervous along the way. They also showed us how to maximize the amount of money we would "walk away from the table" with by rolling our insurance and escrow refunds into the final picture. Through everything they made us feel like they were really concerned with providing for our needs, and not just what profit could be made for them from our business. We consider Raul and Emily to be new lifelong friends and I know if the need should arise that we will use their services again. We strongly recommend them to anyone with this kind of need. Anyone who needs further information on our experience with Competitive is welcome to contact us.read more

ed Long

17:21 01 Dec 17

Working with Emily and Raul was a very pleasant experience. They made the process so very easy and convenient. If I had known that refinancing was this easy I would have done it years ago. They were friendly knowledgeable and patient. When the time comes for me to sell or to purchase a new home Competitive Home Lending is where I will go first.read more

Alice White

03:18 13 Nov 17

Great lending company and excellent staff. They made my home purchase go very smooth and hassle free. I never felt pressured, doubtful or confused about any of the steps to purchasing my new home. Raul is the man you need to help you become a homeowner and it was a pleasure doing business with him.read more

Montriville Creighton

23:03 19 Sep 17

Raul and Emily were excellent work . Raul is very knowledgeable and walk me through for my loan to find the best mortgage . am very grateful that I had Raul and Emily. I would recommend them to anybody looking for a mortgage for Home.read more

dina fouad

19:10 07 Sep 17

As a first time home buyer, I naturally had a lot of questions. I had gone to 3 other lenders before meeting Emily and Raul and praise God almighty that I did! Emily and Raul not only reviewed the whole process with me but they took the time to explain it in terms that I could understand. They made me feel so comfortable to ask as many questions as I wanted. Raul is so knowledgeable and will present you with different options and guide you from start to finish. Not only did Emily and Raul make this process less stressful but they also saved me a lot of money! They were always available when I called and responded almost immediately each time I emailed them. Being a first time home buyer, I was particularly grateful to them for coming with me to closing just to make sure everything was completed and if I had any other questions. I strongly, STRONGLY recommend Emily and Raul to anyone! Don’t waste your time and go with Competitive Home Lending! Emily and Raul you guys are seriously the best! Thank you! Thank you! Thank you!! God bless you guys!!read more

SLP Torres

22:05 05 Sep 17

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TAC §80.200(b)

“CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550.

THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE ATWWW.SML.TEXAS.GOV.”

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