NMLS #2014311 · Licensed in Texas ✉ smcdowell@nexalending.com

📞 (713) 825-4413

Texas Mortgage Broker · NMLS #2014311

A faster, easier, cheaper mortgage — handled by someone who actually picks up the phone.

As a broker with NEXA Lending, I shop your loan across 300+ lenders to find you the lowest rate. No runaround. Just a straight shot to closing.

Get Pre-Approved Free → Call Shawn

300+ Lender Network

100% Independent

Free Pre-Approval

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What can we help with today?

🏡 Buying a home → 💰 Refinancing → 🏦 HELOC / Cash-Out → 🧮 Mortgage Calculator →

Banks Fight for Your Business

We shop your scenario with 300+ lenders to land you the best rate available.

Wholesale Pricing

Broker access to wholesale rates — typically better than retail bank pricing.

No Hit to Your Credit

We make sure the numbers work first — before any hard credit pull.

Loan Programs

Finding you the best mortgage option

Whether you're a first-time buyer, self-employed, an investor, or a veteran — there's a program built for you.

Conventional

Standard mortgages with as little as 3% down for qualified borrowers.

FHA Loans

3.5% down, flexible credit requirements. Great for first-time buyers.

VA Loans

$0 down for veterans, active duty, and qualifying military families.

USDA Loans

$0 down rural housing loans for eligible Texas properties.

Jumbo Loans

Financing for higher-priced homes above conforming loan limits.

DSCR Loans

Investor loans that qualify based on rental income, not personal income.

Bank Statement

For self-employed borrowers. Qualify using 12–24 months of deposits.

1099 Loans

Built for independent contractors and gig workers. No tax returns required.

View All Loan Programs →

Shawn McDowell, Texas Mortgage Loan Officer

About Shawn

I treat your mortgage the way I'd want mine treated.

After years of watching friends and family get pushed through one-size-fits-all mortgage processes at big banks, I joined NEXA Lending — the country's #1 mortgage broker — so I could actually shop for my clients instead of pitching them one product.

Whether you're a teacher in Houston, a veteran in San Antonio, or a self-employed business owner in Austin — my job is to find the lender that fits you, not the other way around.

Read My Story

Client Reviews

Real Texans, real closings

★★★★★

Shawn was very helpful throughout my home purchase. He kept me informed and was always quick to respond when I had questions. It made the process a lot easier knowing he was on top of things. I appreciate his dedication to good service.

Sarah R.

Home Purchase

★★★★★

Shawn was prompt and professional at every step. He guided me through the loan process and was available whenever I needed clarification. I'm happy with the service he provided, and it definitely made a difference in how smoothly everything went.

Michael P.

Home Purchase

★★★★★

I was impressed with how Shawn handled the home buying process. He kept things moving, and whenever I reached out, he was quick to respond. His support helped me feel more confident in my decisions, which I really appreciated.

Emily

Home Purchase

Read all 8 client reviews →

Mortgage Insights

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What recent Fed moves mean for buyers waiting on the sidelines — and when to lock.

May 2026 · Complete Guide

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A step-by-step guide to the entire mortgage and closing process from pre-approval to keys in hand.

Read the Blog →