Steps For Homeownership



  • Get pre-approved for your mortgage quickly and easily using digital technology.
  • Show sellers, you're ready to buy with a pre-approval letter
  • Expedite the process and have these documents ready:
    • Proof of Income
    • Employment Verification
    • Proof of Assets
    • Driver's License
    • Social Security Number



  • Your realtor will assist you in navigating the home-buying process to find a solution that fits within your budget.
  • They will also draft the purchase contract and aid in negotiations with the seller.


  • Inspection: The licensed home inspector will examine the home structure, foundation, electrical systems, roofing, and other aspects to identify any significant or required repairs.
  • Appraisal: An impartial assessment of the real estate market value to determine if the price of the home is reasonable.


  • Submit all application documents electronically for review by the Underwriting team
  • Keep track of your application status via Simpl
  • I will be in touch to address any outstanding conditions
  • Once conditions are reviewed by underwriting, you will receive the CLEAR TO CLOSE
  • Schedule the closing date and time


  • On closing day, multiple documents will need to be signed. We'll ensure a smooth closing and funding process by communicating and coordinating with all involved parties. I will help you confirm you have all the necessary items for a successful mortgage closing. Congratulations on becoming a new homeowner!

First-Time Buyer? Have questions?

Overwhelmed and stressed about purchasing a home? We understand the feeling. At Triumph Lending, I strive to empower you with knowledge and comfort in your mortgage choices, as this can be one of the most significant investments you'll make in your lifetime!


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"Working with Marcos was a great experience and a seamless process. Using his portal to share supporting documents made communication and responses easy to provide. He was quick to respond to any questions I had about the process or underwriter requests, and he made sure we were approved on time. I highly recommend Marcos for your next mortgage!"

Shelley from Pearland, TX
Seamless Process
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"Marcos is a highly experienced and good lender that supports buyers within every step of the way purchasing a house/home. He responds on time even at weekends or whenever you need him. I would highly recommend him to my family and friends."

Nathan from Houston, TX
It was such a great experience to work with Marcos as a first time home buyer.
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"Marcos & team were wonderful to work with. As we were in the process of buying our first home, he was always willing to answer questions and explain the process to us. He went above and beyond and was always responsive, especially when we needed a pre-approval letter to make a quick offer which he was able to provide to us on a Sunday evening. We can't thank him and his team enough, because I don't believe we would have been able to purchase the home we did without his team's quick assistance. Thank you!"

Elissa from Katy, TX
Excellent Service
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"Marcos really made our experience enjoyable. Before working with Marcos, I had worked 4-5 different lenders. As a matter of fact, I was pretty far along with one lender when Marcos started listening to our concerns. It's like Marcos speaks human when the rest of the industry speaks numbers. Now I enjoy numbers like the rest of them but Marcos worked past the numbers and focused on what we really needed. The technology used to gather information was excellent. I recall a point where we hit an obstacle working with Marcos, and he responded with 'I haven't missed a closing yet, not going to start now'. Two weeks later, we closed."

Christopher from Houston, TX
Cypress bound
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"Marcos was very responsive to all the complications that occurred during our closing process. He was dependable to make the process as easy as possible."

Brandon from Richmond, TX
Great Experience
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"Marcos helped me a lot during the process and he was always available and quick to give me the information I needed. Highly highly recommended."

Daniele from Houston, TX
Very Happy
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"For every question, and we had plenty, Marcos was always available to answer them. He made the process smooth and easy, offering multiple loan options to make the best choice for us. Thank you Marcos! This won’t be our last purchase. You’ll hear from us again!"

Carlos from San Antonio, TX
Complex Process Simplified
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"I had a very positive experience working with Marcos Maya and his team at Triumph Lending! Marcos had a very organized process which facilitated an effective and efficient loan closing! Marcos was very receptive to all questions and was expeditious in his responses! The rates were good as well! I highly recommend using Marcos Maya with Triumph Lending for loans. Keep up the great work!"

Mike from Katy, TX
Marcos Maya had a very Effective and Efficient process! Keep up the Great Work!
You deserve a lender you can count on.

What we believe about your loan:



We're serious about pre-qualifications and closing dates. When you say you're pre-qualified, we mean it.* when it comes to closing on your home, we work diligently to ensure it's on time.



We give you the confidence you need by giving our loan officers direct access to all our behind-the-scenes staff. This means your loan has a personal representative from start to finish.

anchor, ship, d


We believe in doing the right thing, even when it's hard. That's why we consistently strive to put our values first; we know this is key to establishing your trust in us.

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