Lender rows are generic profiles, not real companies or offers. Each applies a typical pricing spread and fee/points assumption to the live national baseline.
Coming soon.
License first. Mortgage ads and outreach usually have to show an NMLS license number, so none of these should run until the NMLS license is in place. These ideas have not been reviewed by a compliance attorney yet.
Visitors set a target rate or monthly payment and opt in to an alert when the Freddie Mac weekly average reaches it. This finds buyers months before they apply, and it costs almost nothing because the site already pulls the weekly data. Get prior express written consent before any marketing text or autodialed call, honor every STOP reply within ten business days, and follow CAN-SPAM on every email.
Offer free lunch-and-learns on credit, saving for a down payment, and preapproval to hospitals, school districts, and manufacturers. Employees hear from you a year or more before they shop. Never give the employer or its HR staff anything of value for referrals (RESPA Section 8), and choose employers by industry and size, never by the makeup of their workforce.
Standard bank formulas often reject these borrowers, but bank statement and other non-QM loans may work for them. Teach free workshops for CPA clients during tax season, when income documents are already being gathered. CPAs cannot receive referral fees or share client data without the client's written consent.
Members already trust their credit union or community bank. Under the Homebuyers Privacy Protection Act, in effect since March 5, 2026, these institutions can still make firm-offer prescreened mortgage offers to their own account holders, while trigger lead sellers are mostly shut out. Have a lawyer structure fees as fair market payment for services actually performed, never per referral.
Add a page mapping state and local down payment assistance programs, get on the state housing finance agency's approved lender list, and host the homebuyer education classes many programs require. You meet buyers early and earn their trust. Market across the whole state or metro area without skipping neighborhoods or ZIP codes, and keep every program and rate claim accurate.
A 30.0 s consumer mortgage TV spot for the League City market, built around the spokesperson. v2: new Midwestern male voice (50s) and re-synced lips on the on-camera lines. Not cleared to air: lender placeholders and TEMP music still in.
Web copies are re-encoded for streaming. Masters: H.264 High, 1920x1080 (9:16 is 1080x1920), 30 fps, AAC 48 kHz, 30.000 s, 900 frames, -22.6 LUFS integrated (target -24 LKFS).
| Shot time (s) | Who | Line | Delivery |
|---|---|---|---|
| 0.0 to 3.2 | VO | Out here, home is morning light on the bay, and a quiet street near Clear Creek. | Warm, reflective |
| 6.4 to 13.6 | On camera | Buying here, or refinancing the home you love? You deserve straight answers from someone who knows the Bay Area. | Confident, direct |
| 13.6 to 17.0 | VO | We sit down, and walk through every step. | Reassuring, close |
| 17.0 to 21.9 | On camera, close-up | So don't guess. Get pre-qualified before you fall for the house. | Firm, urgent |
| 21.9 to 25.0 | VO | Then go get your keys. | Light, smiling |
| 25.0 to 30.0 | VO, end card CTA | Call or visit today. Your League City home starts here. | Strong, on the music hit |
69 spoken words. Music: TEMP cinematic orchestral build at 120 bpm in D minor, ostinato from 7 s, drums from 14 s, riser into a breath of silence, then a bright D major hit at 25.0 on the CTA. No vocals, no whispers.
| Shot | Time (s) | Size, angle, lens | Key light | Action | Motion | 9:16 |
|---|---|---|---|---|---|---|
| S1 | 0.0 to 3.2 | Extreme wide, high aerial, 24mm | Low sunrise, frame left, raking the water | Calm creek ripples beside docks and live oaks; palms sway. | Drone push forward, slow, toward the sun | Crop at 55% |
| S2 | 3.2 to 6.4 | Wide, eye level, 50mm | Setting sun backlight and rim | Girl rides a bike toward camera, father jogs beside her, mother walks behind. | Track backward at walking pace | Crop on the girl |
| S3 | 6.4 to 13.6 | Medium, eye level, 50mm | Afternoon sun three-quarter key from frame right, bounce fill | The spokesperson speaks to camera with a half smile and an open-hand gesture. | Slow push in | Crop on him, head grazes top |
| S4 | 13.6 to 17.0 | Medium OTS two-shot, 35mm | Morning window light frame left, pendant practical | The spokesperson explains at a kitchen table; the couple nods and smiles. | Slow drift right | Crop on him |
| S5 | 17.0 to 21.9 | Close-up, eye level, 85mm | Warm hard side key frame left, lamp bokeh | The spokesperson speaks firmly to camera and nods once. | Very slow push in | Center crop, tight |
| S6 | 21.9 to 25.0 | Wide, low angle, 24mm | Golden sun through the open door, silhouette | A couple and their daughter walk hand in hand into an empty sunlit room. | Slow rise and pull back | Crop on doorway |
| EC | 25.0 to 30.0 | Full frame graphics | Navy with a low warm glow | End card elements fade up 25.1 to 26.0 and hold. | Locked | Vertical re-layout |
0.5 s dissolves centered on each boundary, fade in at 0.0, fade out 29.6 to 30.0.
All items open. Status as of Oct 31, 2026. No rates, APRs, payments, down payment amounts, "low rates", "no closing costs" or "guaranteed approval" anywhere in the spot.
Draft. Posted for review only. Not sent to any station or platform and not cleared to air.
The No-Doc Self-Employment Loan
A private investor program. Not a government-backed loan. Not FHA, VA or USDA.
Who it is for: business owners, freelancers, contractors and gig workers who earn good money but show low income on their tax returns after write-offs.
The problem: lenders that rely on tax returns often say no. The usual fallback is a bank statement loan, which typically asks for 15 to 20 percent down and comes with higher rates.
The solution: the No-Doc Self-Employment Loan, built on a profit and loss statement you prepare yourself. With a 640 credit score, 3.5% down and two years of self-employment, you may qualify without tax returns, bank statements or a CPA signature.
Available to borrowers in Florida and Texas. Subject to lender approval.
Can require far less cash at closing than a typical bank statement loan, so you can buy sooner and keep savings in your business.
Qualify with a profit and loss statement you prepare yourself. No months of statements to gather and no accountant sign-off.
Often priced better than many bank statement programs. Your actual rate depends on your credit, down payment, property and the lender.
| Feature | No-Doc Self-Employment Loan | Typical bank statement loan | Conventional full doc loan |
|---|---|---|---|
| Down payment | 3.5% | Typically 10 to 20 percent or more | Typically 3 to 20 percent, depending on the program |
| Minimum credit score | 640 | Typically 620 to 700, varies by lender | Typically 620 |
| Income documents | Self-prepared P&L, no CPA or tax preparer signature | Typically 12 to 24 months of personal or business bank statements | Typically two years of personal and business tax returns |
| Self-employment history | Two years | Typically two years | Typically two years |
| Typical rate direction | Typically lower than bank statement loans | Typically higher than conventional loans | Usually the lowest of the three for borrowers who qualify |
| Funding | Private investors, not government backed | Typically private or non-QM investors | Typically sold to Fannie Mae or Freddie Mac |
| Best fit | Self-employed borrowers whose tax returns understate their income | Borrowers with strong deposits and a large down payment | Borrowers whose tax returns show enough income |
Bank statement and conventional figures are typical industry ranges, not quotes, and vary by lender. No-Doc Self-Employment Loan figures reflect the program as described to us and are subject to lender guidelines and underwriting.
Estimate only. Cash to close here is the down payment plus estimated closing costs. Actual costs vary by lender, investor, county, title, prepaid items and any seller credits.
Meeting these points does not guarantee approval. Every file is subject to the lender's guidelines and underwriting.
Important. No-Doc Self-Employment Loan availability, rates, terms and eligibility vary by lender and borrower and are subject to credit approval and underwriting. A private investor program. Not a government-backed loan. Not FHA, VA or USDA. Rates, fees and terms are set by the private investor. This is not a commitment to lend, a loan offer or a rate quote, and approval is not guaranteed. The lender may still verify income, employment and business existence through other means. Comparisons to bank statement and conventional loans describe typical industry ranges and are not guarantees of a lower rate or payment.
[Mortgage Brand Name], NMLS # [NMLS #]. [Florida licensing disclosure, for example Florida Office of Financial Regulation license type and number]. [Texas licensing disclosure, for example Texas Department of Savings and Mortgage Lending license and required consumer complaint notice]. NMLS Consumer Access.
Equal Housing Opportunity. We do business in accordance with the Fair Housing Act and the Equal Credit Opportunity Act.
Mock historical leads, Nov 2025 to Oct 2026. Hover or tap a flow or a bar to see counts and percentages. On a phone, swipe sideways to see the whole chart.
Left flows are colored by lead source and right flows by outcome. Flows balance at every node. The TV and Streaming Spot source starts in Jul 2026 in this mock data.
Conversion means closed loans divided by all leads from that source in the selected range. Mock data only.
A mock 12-month P&L for a small mortgage origination business. Lead count and closed units tie to the Lead Funnel mock data. Move the sliders to change the AI assumptions and the P&L recalculates.
Green means better for net income and red means worse. Assumptions: average loan $340,000, origination income 275 bps, LO commissions 100 bps, 1.4 processed files per closing at $1,150 each, $70 average cost per lead, $30,000 a year for AI tools. Marketing efficiency also cuts lead cost by half its value. All figures are mock.
AI outreach still needs prior express written consent for marketing texts and autodialed calls, and AI drafted ads still need compliance review and an NMLS number. Mock estimates, not results.