Tonius Frank
Get to know Tonius
I have over 25 years of mortgage banking/financing experience. I am licensed in Texas and Oklahoma. I am a VA, FHA, Conventional & USDA & Down-payment Assistance loan expert. I am also an expert in non-traditional loan products such as Bank Statement Only Loans, DSCR Loans, Construction Loans, Manufactured Loans, Non-Warrantable Condo Loans, Kiddie Condo Loans, Jumbo Loans, etc... We offer rate/term, cash-out refinances. I am known for great service, great rates and exceeding expectations.
Why choose Tonius?
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Questions? Tonius has answers.
We prompted questions to Tonius so you can learn more about their skills, preferences, and availability.
Clients should expect honesty, professionalism, passion to exceed expectations, knowledge, expertise, award winning service, speed, communication, a think outside the box and strategist mentality.
I typically like to work with client's preference for communication, but I'm open to phone calls, text messages, emails and zoom calls. I also work with clients on the weekend as well.
Typically, 2 most recent W2's, 2 most recent pay-stubs, 2 most recent bank statements, copy of DL & SS card. Self employed borrower need to provide 2 most recent tax returns.
I highly recommend that clients complete an application so that I can fully assess their current credit profile. Mortgage lending guidelines are quite different from other lending guidelines.
I love having conversations with clients prior to applying because it helps me understand what their mortgage financing needs and goals are.