Our Mission: To Provide You the Tools to Grow Your Wealth Using Mortgage
Sharp Advisors Powered by Benchmark Mission
Click to play
We offer personalized solutions tailored to your unique needs, providing exceptional service, expert advice, and a smooth homebuying process from start to finish.
What We Have to Offer
We prioritize delivering an exceptional customer experience, going above and beyond to exceed your expectations and ensure your satisfaction every step of the way.
Delivering A Great Customer Experience
Refinance your home with confidence, leaving no doubt behind, as we guide you through the process seamlessly, providing clarity and peace of mind.
Refinancing Your Home No Doubt About Anything
Harness the superior power to unlock today's best rates, empowering you to seize the opportunity and make the most of your financial endeavors.
Have Superior Power To Unlock the Most Out of Today’s Rate
Achieve success by partnering with a top producing loan officer, benefiting from their expertise and commitment for a rewarding lending experience.
Work Alongside One of the Top Producing Loan Officers
Achieve financial success with the guidance of our top-tier wealth advisors and financial planners, ensuring personalized strategies to reach your goals.
We Work with The Best Wealth Advisors and Financial Planners
Unleash the ideal solution for buying and selling homes, delivering expert guidance to achieve your real estate goals with confidence.
The Best Solution For Buying & Selling a Home
Mortgage Pre-Approval
Lock in Your Rate
Find Your Home
Unlock your dream home with a mortgage pre-approval—discover your maximum loan amount and seize the opportunity to buy with confidence.
Take control of your financial future with an interest rate lock, ensuring a stable and fixed mortgage rate as you embark on your homebuying journey.
Find your dream home effortlessly with our expert guidance and comprehensive resources, ensuring a seamless homebuying experience.
Interested in How Much You Could Qualify For?
What's The Next Step?
Ready to Get Started?
Start your mortgage application through the Sharp Advisors Powered by Benchmark and find out what you can afford, what are the best moves for you, and how to start building your wealth using mortgage!
Lock in your rate early in a highly volatile market
Start Building Equity and Wealth
Capitalize on Real Estate Opportunities
Enjoy the pride and freedom of owning a home
Visit our application page to get started on your homebuying process
Apply Now!
Roadmap for Success
We Make Sure You Have the Best Options
Have the Confidence You are Making the Best Decision
Ensure you have access to the best options available by conducting thorough research, seeking expert advice, and carefully evaluating choices to make informed decisions.
Decide with confidence, armed with comprehensive information and trusted guidance, ensuring the best choice for your needs.
Create a roadmap for success by setting clear goals, developing a strategic plan, and taking consistent action, empowering you to achieve your desired outcomes.
Shane SHarp
Branch Manager
Sharp Advisors
NMLS #1090936
Ark-La-Tex Financial Services, LLC
NMLS#2143
A hardworking business professional who consistently demonstrates dedication, perseverance, and a strong work ethic. Shane constantly goes above and beyond to achieve the goals, of his clients needs. With over a decade in the business his main goal remains the same...excellent client experience.
Aaron Ragas
Loan Officer Assistant
Sharp Advisors
Ark-La-Tex Financial Services, LLC
NMLS#2143
Aaron is an intelligent business professional who consistently demonstrates commitment, resilience, and a proactive attitude in his work for the betterment of the client. He's dedicated to personal growth, achieving goals, and plays a major role and contribution to the success of team.
Jennifer plays a vital role on the team with meticulous attention to detail in her work. She ensure accuracy, quality, and makes well-informed decisions by carefully assessing information and considering potential outcomes.
Senior Processor
Sharp Advisors
Ark-La-Tex Financial Services, LLC
NMLS#2143
Jennifer Shaw
Meet The Team
What our customers say about us!
"The experience with this company and people that work here is unexplainable. They have the BEST customer service and down to earth people you would ever meet. The process was quick and they were helpful along the way. I am very grateful for them and God bless them all!!!! They are second to none!!"
"My experience was outstanding. Shane was one step ahead of the curve in anticipation of each step along the way. He went out of his way to make sure we understood the process."
"We worked with Shane. He is really amazing! Very timely, responsible and flexible with both our busy schedules. He and his team always ready to help, answer questions and provide guidance and support as we were first time home buyers. I highly recommend them, and will continue to share their name with our friends and family!"
"Shane and the team were not only able to get us to the finish line in purchasing our new home but were also able to give us sound advice and direction in order to position ourselves accordingly. He kept us in the know throughout the entire process and was quick to call when we needed to pivot along the way. This is my second time using Shane and I couldn't be more pleased with the experience once again."
Nikarlo Rogers
Phylicia Jasper
Mehdi Sharifian
John Sparks
Do You Have Questions?
Check Out These Frequently Asked Questions
What is a mortgage?
What factors determine interest rates?
What is the difference between a fixed and adjustable rate mortgage?
How much down payment do I need to buy a home?
How does the loan process work?
A mortgage is a type of loan used for real estate transactions, allowing individuals to buy or refinance a property. It is a legal agreement between the borrower and the lender, typically a bank or mortgage company. The property being purchased or refinanced serves as collateral for the loan, which means that if the borrower fails to make the required mortgage payments, the lender may have the right to take ownership of the property through a process known as foreclosure. Mortgages generally involve regular payments, consisting of both principal (the loan amount) and interest, spread over a specified term, usually ranging from 15 to 30 years.
The loan process involves several steps. First, the borrower completes a loan application, providing information about their financial situation. The lender then evaluates the application, assessing factors such as creditworthiness, income, and debt-to-income ratio. If approved, the lender issues a loan estimate outlining the terms and costs. Next, the borrower submits required documentation and proceeds with the loan underwriting process. Once all conditions are met, the loan moves to closing, where the borrower signs the necessary paperwork and finalizes the loan. After closing, the borrower begins making regular mortgage payments as outlined in the loan agreement.
Mortgage interest rates are influenced by various factors, including economic conditions, inflation, the borrower's credit score, loan-to-value ratio, loan term, and the overall demand for mortgages. Factors such as the Federal Reserve's monetary policy, market forces, and the health of the housing market also play a role in determining mortgage interest rates. Lenders evaluate these factors to determine the level of risk associated with lending and set interest rates accordingly.
A fixed-rate mortgage has an interest rate that remains constant throughout the loan term, providing borrowers with predictable monthly payments. On the other hand, an adjustable-rate mortgage (ARM) has an interest rate that can change periodically, typically after an initial fixed-rate period. This means that the monthly payments for an ARM can fluctuate over time, depending on changes in market interest rates. The choice between a fixed-rate and adjustable-rate mortgage depends on individual preferences, risk tolerance, and expectations for future interest rate movements.
The down payment required to buy a home can vary depending on various factors, including the type of mortgage, the purchase price of the property, and the lender's requirements. Generally, down payments typically range from 3% to 20% of the home's purchase price. Some loan programs, such as FHA loans, offer lower down payment options, sometimes as low as 3.5%, while conventional loans often require a down payment of at least 5% to 20%. It's advisable to check with lenders and explore available loan programs to determine the specific down payment requirement for your desired home purchase.
Fill out this form and one of our team members will be in contact with you shortly!
