Our Ideal Customer

Ideal customers for us include first-time home buyers, including those who might need down payment assistance, borrowers with lower credit scores who may have been turned down by other banks, and those seeking unique property types, i.e. manufactured homes and non-warrantable condos.

About Us

Founded in 2007 and headquartered in Houston, Texas, Nations Reliable Lending is currently licensed in 41 states and the District of Columbia. We specialize in the origination of residential mortgage loans across the United States. These loans include conforming conventional loans, jumbo conventional loans, loans guaranteed by the Veterans Administration, loans insured by the Federal Housing Administration, and loans backed by the Rural Housing Department of the USDA.

How We Got Started

NRL Mortgage was founded with the principles of providing superior and reliable lending solutions to our customers. We believe our customers deserve a company that they can rely on to deliver a speedy, simplified mortgage lending process with an experienced loan officer to navigate them through the process.

NRL Mortgage Awarded 'Top Workplaces of 2015'

Nations Reliable Lending, also known as NRL Mortgage, is a Texas-based mortgage company founded in Houston in 2007. Our team was recently awarded the prestigious Top Workplaces of 2015 honor by the Houston Chronicle. We are ranked #46 in the mid-size companies group, an esteemed honor out of...

NRL Mortgage Ranked #17 in Fastest-Growing Companies

Nations Reliable Lending has been ranked #17 in the Houston Business Journal's Fast 100 list of fastest-growing companies!

NRL Mortgage - Cedar Park Team Recognized by Austin Monthly

Of the nearly 2,000 licensed Mortgage Loan Originators in the Austin area, only around 60 individuals are recognized as a 'Top Mortgage Professional' by the publication. This year, Nations Reliable Lending was fortunate to occupy four of those nomination spots. In particular, the Cedar Park...

Down Payment Assistance Programs

In addition to traditional financing options, such as Conventional, FHA, VA, and USDA Loans, we also offer DPA Assistance through the TSAHC, as well as Low FICO Loans for credit scores down to a 560!
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Top Forum Activity
Cody Velkovich answered Real Estate Agents/ Loan Officers, How Do You Help...
about 2 months ago
Thanks for your question, Kim. I am fortunate to have products and programs that exceed the standard qualification limits for most lenders. For instance, we do FHA & VA loans down to a 560 FICO and... (more)

Highly Recommended

By 5+ Local Business Owners!
Our Team
Cody Velkovich from NRL Mortgage
Cody Velkovich
Branch Manager
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