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Jazmin Macias

Jazmin Macias

Residential Mortgage Loan Originator · Texas

Bilingual · English & Español

NMLS #2821152 · Inclusive Lending, LLC NMLS #2696310

Buying a home comes with a hundred questions nobody warns you about. Ask them here. Jaz reads every one herself and answers in plain language — whether or not you ever become a client.

El préstamo, las llaves, y yo

Things people ask her about

  • Buying a first home, starting from zero
  • Down payment help — what exists and who qualifies
  • VA loans and using military benefits
  • Self-employed and 1099 income
  • Credit worries — what actually matters
  • What a real pre-approval takes

Ask a question

She answers these herself, usually within a day.

How would you like her to reply?

Choosing a call or text is your permission to use the number above for this question. Message and data rates may apply, and you can opt out any time.

Please don't include your Social Security number, income, or account numbers — this is just a question, not a loan application. What you send is only used to answer you — see the privacy note.

Real estate agents

Have a financing question on a listing, or a buyer another lender turned down? Use the same form above and tick the agent box — it puts your question at the top of what she reads, with the urgency a live deal deserves.

Licensed, and who she originates through

Jaz is a Texas-licensed Residential Mortgage Loan Originator, NMLS #2821152, originating through Inclusive Lending, LLC — NMLS #2696310.

Inclusive Lending, LLC handles home purchase and refinance loans, and reports hundreds of loans closed and nearly $100 million in production.

Licensed in select states. You can look up either license — hers or the company’s — at NMLS Consumer Access.

Texas consumer complaint notice

Common questions

What's the difference between being pre-qualified and pre-approved? A listing agent told us our letter "didn't count" and I don't understand why — aren't they the same thing?

Pre-qualified means: “Based on the information you gave me, you may qualify.” Pre-approved means: “I reviewed your application, credit, income, debts, and financial documents, and based on that information, you may qualify.” A pre-approval is usually stronger because the lender has taken a closer look at your finances. That may be why the listing agent said your letter “didn’t count”—they may have wanted a pre-approval instead of a pre-qualification. Being pre-qualified or pre-approved does not guarantee that you will get the loan or the home. It simply shows what you may qualify for based on the information reviewed at that time. Every lender’s process is a little different, so ask your loan officer exactly what they reviewed and whether they can provide a full pre-approval letter.

Does getting pre-approved hurt my credit score? We've been putting it off for months because we're scared of the hit, and now we don't know if we can even look at houses this fall.

The pre-approval itself does not hurt your credit score. What matters is the type of credit check the lender uses. A soft credit pull does not affect your credit score. A hard credit pull may have a small, temporary effect on your score, although the exact impact is different for everyone. Before applying, ask the loan officer whether the pre-approval requires a soft or hard credit pull. Don’t let the fear of a credit check keep you from exploring your options for this fall—the loan officer can explain their process before checking your credit.