Home loans, including the ones that don't fit the box. Tell me the deal.
I originate home loans under the name Pruitt Approved. Purchase and refinance. I office in Fort Worth, live in Aledo, and work with people across Dallas–Fort Worth.
Got it.
I'll reach out myself. If it can't wait, call 817-873-6288.
Rather talk first? Call 817-873-6288
Ready for the full application? Apply Now (opens in new tab)
Reviews
Don't take my word for it. Read what clients said.
- ★★★★★
“Had some bumps along the way, and they worked hard to get everything squared away and set up to close on a tight deadline. Couldn't recommend more.”
Ty W. · 2026 Read on Google (review by Ty W., opens in new tab) - ★★★★★
“This team is the best of the best. I worked with Mike and Matt and our situation was a little out of the ordinary and they absolutely knocked it out of the park but also we closed in 3 weeks who does that!”
Blake C. · 2026 Read on Google (review by Blake C., opens in new tab) - ★★★★★
“Even as our financial situation has become more complex with business ownership and other streams of non standard income he made the process very easy.”
Nathan D. · 2026 Read on Google (review by Nathan D., opens in new tab) - ★★★★★
“As a business owner it can be more difficult to get a mortgage at times, however Matt and his team were on top of the situation from the get go.”
David G. · 2026 Read on Google (review by David G., opens in new tab) - ★★★★★
“I had a complex home buying situation but Matt immediately sorted through the mess and gave me multiple options that got me in the home I wanted.”
Mark G. · 2025 Read on Google (review by Mark G., opens in new tab) - ★★★★★
“He is a great sounding board and goes above and beyond to make sure we understand everything and feel comfortable at the closing table.”
Aaron E. · 2025 Read on Google (review by Aaron E., opens in new tab) - ★★★★★
“Matt managed to turn around my new mortgage loan in record time—less than two weeks! His efficiency and expertise were truly impressive.”
J. G. · 2025 Read on Google (review by J. G., opens in new tab) - ★★★★★
“Amazing communication, quick to answer questions, and even though I work in the real estate world, I still felt taken care of every single step along the way!”
Taylor G. · 2024 Read on Google (review by Taylor G., opens in new tab) - ★★★★★
“Matt went above and beyond. My life situation was full of chaos.”
Jody B. · 2024 Read on Google (review by Jody B., opens in new tab) - ★★★★★
“It was a long process for the build of our new house, but he was there to give advice every step of the way.”
Kyle T. · 2023 Read on Google (review by Kyle T., opens in new tab)
Loans I do
Home loans
- ConventionalThe workhorse for homes, second homes, and rentals. The mortgage insurance can come off.
- FHAMore room on credit and debt, and gift money is allowed. One to four units if you live in one.
- VAFor veterans, service members, and eligible surviving spouses. No monthly mortgage insurance.
- USDAEligible rural areas, including some addresses around Aledo and Parker County. Income limits apply.
- Down payment assistanceState and local programs, including ones for teachers.
- JumboAbove the standard loan limits. Primary homes, second homes, and rentals.
- Doctor loansFor doctors, dentists, and other medical pros, residents and fellows included. No mortgage insurance. Subject to qualification.
- ConstructionFor building a house instead of buying one already standing.
- One-time close constructionSign the closing papers once and be done.
- Two-time close constructionThe build loan and the long-term mortgage handled separately.
- Renovation / 203(k)Buy the fixer-upper and roll the cost of the work into one loan.
- Manufactured homesWith its land, or home-only in a community or on land you don't own.
- Refinance and cash-outLower payment, shorter term, or the cash you need out of your house. If it doesn't pencil out, I'll say so.
- Temporary buydownsThe seller or builder pays to bring your payment down for the early years. I'll tell you straight if it's worth it.
Beyond the box · Non-QM
- Bank statement loans for self-employedTax returns undersell what you make? Qualify on 12 or 24 months of bank statements instead.
- Asset depletionRetired or living on investments? Your savings count as income instead of a paycheck.
- DSCRFor investors. The rent qualifies the loan, not your W-2. Close in an LLC, short-term rentals included.
- After bankruptcy or foreclosureHad a credit event, rebuilt, and ready to own again. Non-QM can sometimes work before the usual wait is up.
- P&L onlyFor business owners who can show a profit and loss statement instead of years of tax returns.
- Interest-onlyA lower payment up front, for borrowers with a plan for the principal.
- ITINFor borrowers who file taxes with an ITIN instead of a Social Security number.
Private and commercial
- Private moneyFor deals a bank won't touch but still make sense.
- Hard moneyFor investors who care more about the property than the paperwork.
- CommercialFor property that's a business, not a home.
I always start with a soft pull, so no hard credit ding.
Where I work
The office is in Fort Worth at 1800 W Bowie St, Suite 200F, Fort Worth, TX 76110 (opens in new tab). I live in Aledo. Most of the files I handle are in the Dallas–Fort Worth area.
Based in Fort Worth, lending across DFW and the rest of Texas. I'm also licensed in Oklahoma, California, Colorado, Montana, Florida and Georgia, and I can help in all the other states too. If I can't do your deal, I'll say so and get you to someone who can.
Areas I serve close to home: Fort Worth, Aledo, and Parker County.
The loans are through True North Home Loans, a division of American Pacific Mortgage Corporation. Pruitt Approved is my name on the work, not a separate company. More about me.
Ready when you are.
Buying, refinancing or building, send it over and I'll take a look.
I always start with a soft pull, so no hard credit ding.
Questions
I always start with a soft pull, so no hard credit ding.