Lizette Francis, your lender Liz, helps first-time buyers, homeowners and veterans get the right home loan in Houston, Texas through Matador Lending. Get pre-approved today — hola@lizfrancis.com.
Hi, I'm Liz — your lender, neighbor, and translator of all things mortgage.
I'm Lizette "Liz" Francis, a licensed Texas mortgage loan originator with Matador Lending, based in the Houston area. I became an originator in 2021 because I'd watched too many families — including families like mine, the children of immigrants — sign the biggest paperwork of their lives without anyone slowing down to explain it.
So that's my promise: I explain the why, not just the what. Every option, every fee, every "what if we wait." As a bilingual military spouse and a mom, I know a home loan is never just a loan — it's the backdrop of your family's life. Whether this is your first home, your next home, or a refinance to breathe easier, you'll always know where your loan stands.
Because Matador Lending is a broker rather than a single bank, Liz can compare programmes across many wholesale lenders instead of offering you one bank's menu.
Licensed Texas mortgage loan originator — NMLS #1707862
Sponsoring broker: Matador Lending
Licensed in Texas — helping buyers across the state
Email: hola@lizfrancis.com · Phone: 832-773-8790
One bank gives you one set of options. As a broker, Lizette compares programmes across 150+ wholesale lenders [TO CONFIRM] to find the loan that fits your home, your budget and your plans.
Buying your first home or your next one. Get pre-approved first, so you can shop with confidence and make a stronger offer.
Lower your rate, lower your payment, or take cash out of your home's equity. Liz will run the numbers and tell you honestly if refinancing pays.
Low down payment options, step-by-step guidance, and help with down payment assistance programmes in your state.
A popular choice for first-time buyers. FHA loans typically allow down payments from 3.5% with a credit score of 580 or higher.
For eligible veterans, service members and surviving spouses. VA loans can offer 0% down and no monthly mortgage insurance.
Competitive rates for buyers with strong credit — including jumbo loans for higher-priced homes.
Also available: non-QM and bank-statement loans for self-employed buyers whose tax returns don't tell the full story.
Four steps, one person guiding you through all of them.
A short call or email. What are you buying, where, and when? No paperwork yet — just a conversation.
Share your documents and Liz checks your credit, income and budget. You get a pre-approval letter that shows sellers — and your realtor — you're serious.
Shop with confidence knowing your budget is real. Liz stays in touch with you and your realtor while you make your offer.
Underwriting, appraisal and final paperwork — Liz coordinates it all and keeps you updated until closing day.
Realtors send their clients to Lizette because their deals close — on time, with no surprises.
Fast, honest pre-approvals — so your clients shop in their real price range.
Proactive updates — you always know where the file stands.
One point of contact — your client talks to Liz, not a call centre.
Closings protected — problems get flagged early, not the week of closing.
Ask about co-branded pre-approval letters for your listings.
Tell Liz what you're looking for. She'll reply personally — usually within one business day.
Contact Lizette
Email: hola@lizfrancis.com
Phone (direct): 832-773-8790
Matador main line: 713-366-4668 · Fax: 713-558-5363
Office: Matador Lending, 5718 Westheimer Rd #1000, Houston, TX 77057
Contact Lizette by email or phone, share your income, debts and the price range you're shopping in, and provide a few documents. She checks your credit and finances, then gives you a pre-approval letter stating how much you can borrow.
It depends on the loan. FHA loans typically accept scores from 580 with a 3.5% down payment. Conventional loans usually look for 620 or higher. A higher score generally means a better rate — but a lower score doesn't mean you can't buy.
Yes, in some cases. Eligible veterans and service members can use a VA loan with 0% down. USDA loans offer 0% down in eligible rural areas. Most other buyers put down at least 3–3.5%.
Pre-qualification is a rough estimate based on what you tell a lender. Pre-approval is verified: the lender checks your credit, income and documents, and issues a letter. Sellers take pre-approval far more seriously.
Most purchase loans close in about 30 to 45 days from the signed contract, though the timeline varies by file. Getting pre-approved first — and having your documents ready — is the best way to keep things on schedule.
Typically: recent pay stubs, W-2s or tax returns, bank statements, a photo ID, and details of any debts. Self-employed buyers may need profit-and-loss statements or bank statements instead.
Yes — first-time buyers are a big part of Lizette's work. She explains every step, flags low down payment options, and can tell you about down payment assistance programmes available in your state.
Email hola@lizfrancis.com with your client's name and the home they're looking at. Liz will reach out the same business day and keep you updated through closing.