TRICIA MADRID

LOCAL LOAN CONSULTANT

NMLS# 2566884

Call Us!

(682) 777-3950

NMLS # 1393730

Your DFW Trusted

Lending Partner


Our primary objective is to match our homebuyers with the best program to meet their needs. Everyone is in a different place in their journey of home ownership and we understand that and meet you where you are.

TRICIA MADRID


Your Trusted Mortgage Advisor

Dear Homebuyer,

We appreciate your consideration. I look forward to receiving your feedback and addressing any questions you may have after reviewing our presentation. Our team is dedicated to serving your needs, not those of financial institutions. We prioritize open communication, starting with pre-approval guidance and continuing through to post-closure refinancing advice. Choosing to work with us means you will enjoy a transparent and confident home-buying experience.

Please take a moment to explore the presentation to see what we have to offer. I am eager to discuss further opportunities with you soon.

Best Regards,

Tricia Madrid

Meet Tricia Madrid


Tricia Madrid brings over 20 years of expertise in the mortgage industry, making her a trusted advisor for countless clients on their journey to homeownership. Her extensive experience allows her to offer tailored guidance and customized solutions for each client's unique financial needs. Throughout her career, Tricia has held numerous roles, including Licensed Loan Originator/Broker, Processor, Closer, Senior Government Underwriter, Credit Risk Specialist, and Assistant Vice President at a renowned bank.

What sets Orca apart from other Lenders

Orca Home Loans distinguishes itself from other mortgage lenders in several key ways:

  • Fast and efficient service: Orca Home Loans aims to complete the loan process, from application to funding, in less than 30 days. This quick turnaround can be especially beneficial for borrowers who need to close on a property quickly.

  • Streamlined online application: The company offers a simplified, 100% online loan application process, making it convenient for borrowers to apply and track their loan status.

  • Personalized guidance: Orca Home Loans provides experienced Mortgage Advisors who offer tailored guidance to help clients navigate the complexities of home financing.

  • Competitive rates: The company emphasizes offering competitive mortgage rates, which can potentially save borrowers money over the life of their loan

  • Support for loan officers: Orca Home Loans provides comprehensive operational assistance to its loan officers, allowing them to focus on generating new business while the operations team handles the details

  • Transparency: The company offers full transparency into each milestone of the loan process, from application to clear-to-close (CTC), keeping clients and loan officers informed throughout.

  • Quick problem-solving: For complex scenarios, Orca Home Loans promises to provide options on how to move forward with a client within 2 hours, rather than day.

By combining technological efficiency with personalized service and support for both borrowers and loan officers, Orca Home Loans aims to create a more streamlined and user-friendly mortgage experience.

Services Offered

We are proud of the exceptional services we provide and are dedicated to ensuring every client has the best experience possible. Here are the details about what we offer.

Whatever your unique needs, we are confident in our ability to help you reach your goals. Our clients are our top priority, and we are committed to fostering long-lasting relationships built on trust, transparency, and mutual respect.

Finding The Right Loan for You


With access to a variety of investor and loan programs, I provide my clients with substantial savings through strategic planning, expert advice, and a wealth of innovative resources. Whether you're looking to invest or refinance, you can trust that I'll find the most competitive rates available in the market.

The Path to Your First Home

As a local native, I have an in-depth understanding of the real estate and mortgage banking markets that you can truly benefit from. My commitment is to provide you with the information necessary to make well-informed decisions. Rely on my expertise to navigate you through the home-buying process with clarity and confidence.

Buying Your Next Home

Navigating the loan process alone can be daunting. That's where we come in! With years of experience, we specialize in finding the perfect loan to meet your unique needs. Our streamlined process ensures we match your needs with the best program to fit your needs. Thus securing the loan you deserve. We are committed to finding the right fit for you. Our team values transparency and honesty, making your experience as stress-free as possible. You've worked hard to get here—let us handle the rest.

Refinance

Refinancing your home is a smart move, especially with current rates at historic lows. The long-term financial benefits make it a compelling option. By strategically restructuring debt, I've helped many clients save thousands of dollars. Don't miss out on the chance to maximize your savings.

Appreciation

This graph shows the appreciation after 7 years, Consider the cumulative appreciation vs. the cost of down payment plus closing costs to acquire the home. Your return on investment generally far exceeds the cost to buy the home. This is what creates "Generational Wealth" for your family for years to come.

Buying Power


Fluctuating interest rates can greatly impact a buyer's purchasing power. The chart below illustrates monthly principal and interest payments based on various loan amounts and starting rates.

The Loan Process

Closing on a home loan can be a complex and intimidating process. our Mortgage brokerage simplifies it by removing the guesswork. Our trustworthy and experienced fiduciary broker prioritizes your best interests over those of the banks.

Mortgages We Offer

We finance properties including:

  • Single-family home

  • 2-4 Unit properties

  • Townhouses

  • Condominiums

  • Planned Unit Development (PUD)

  • Manufactured homes (not chattel)

We offer a wide range of mortgage products to suite your needs:

  • FHA

  • VA

  • Conventional

  • USDA

  • Jumbo

  • ITIN

  • New Construction

  • Home Equity / HELOC

  • Bank Statement Loans

  • Investor Loans

  • Non-Owner Occupied

  • Non QM

  • Down Payment Assistance

  • MCC - Mortgage Credit Certificate

  • and more....

Recurring vs. Non-Recurring Costs

Navigating the journey of buying or refinancing a home can feel daunting, particularly when it comes to closing costs. These fees encompass a variety of terms, figures, and paperwork that can easily lead to confusion. To simplify things, we've created a handy glossary of mortgage terms for your convenience.

In this article, we'll break down the various expenses you might encounter when closing escrow or refinancing your home. Our goal is to help you prepare and steer clear of unexpected financial surprises. For clarity, we'll divide these costs into recurring and non-recurring expenses.

Click the Loan types below to learn more about each

Life Events That Could Delay Your Home Loan Closing


Several common life events and issues can delay the closing of a home loan. Understanding these potential obstacles can help you prepare and avoid unnecessary stress. Here are some of the most frequent causes:

  • Title Report Problems

  • Boundary disputes revealed during a property survey

  • Lender Delays such as
    Problems obtaining all necessary information or documents requested

  • Additional documentation requests from underwriters, such as tax transcripts or letters of explanation

  • Changes in the buyer's financial situation or discrepancies in the closing documents

  • Home Inspection Problems

  • Appraisal Value Discrepancies

  • Compliance with Regulations: Errors or discrepancies in the Closing Disclosure

Rent vs. Buy: Which is Best?


In today's dynamic real estate market, both home values and rental costs have seen substantial increases. Are you at a crossroads, trying to decide whether to purchase a home or continue renting? This decision can significantly impact your financial future and quality of life.

Make an Informed Choice

Choosing between buying and renting isn't just about the monthly payment. It's about understanding your long-term goals, financial stability, and lifestyle preferences. Our comprehensive guide can help you navigate this crucial decision with confidence.

Let’s Get Started


Start your journey to homeownership with a simple step: complete a pre-approval application. Create your free account at The Mortgage House and kick off your home buying process today. This quick and easy application will set you on the path to finding your perfect home.

10 Commandments


Navigate your loan process smoothly by adhering to these 10 essential guidelines. Following this advice will help you sidestep common obstacles and keep your loan on track for a timely closing. Let's explore these crucial dos and don'ts to ensure a hassle-free borrowing experience.

Texas Housing Market Overview

Client Testimonials


Curious about our reputation? Discover what our clients have to say about their experience with us. Click here to read authentic testimonials and reviews from homeowners we've helped along their journey.

“Her commitment to ensuring my understanding and confidence in this process has made this journey both informative and rewarding.”


Tricia embodies qualities that truly stand out - her expertise, unwavering patience, and professionalism. As a first-time home buyer navigating uncharted territory, I found myself relatively inexperienced in the process. Tricia stepped in, dedicating her time to meticulously guide me through every aspect, ensuring I grasped the nuances involved. Her responsiveness was remarkable - whenever I expressed interest in a property, her swift reply of "I will get that set up!" was reassuring.

Her flexibility in accommodating viewing schedules and her constant availability for my inquiries made the journey smoother. Tricia didn't merely showcase homes; she delved into thorough explanations, shedding light on intricate details and potential risks associated with each property. Her transparency and honesty were invaluable, earning my deep appreciation.

Tricia's unwavering dedication to helping me discover the perfect home has been evident throughout our interactions. Her commitment to ensuring my understanding and confidence in this process has made this journey both informative and rewarding. I am positive that I will find my dream home with the help of Tricia!

La Tonya W – January 2024

“She was very nice she went above and beyond working with me to get me a home that is within my needs”

She was very nice she went above and beyond working with me to get me a home that is within my needs and my children. I wanted to stayed with the HEB area and we look for about I lost count but she never gave up. Tricia is very kind and patience explaining being a homeowner since this was my first home

~ Josephine Dankwa

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4314 Blossom Valley Lane

Richmond, TX 77469

Phone: (682) 777-3950

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MLS Information Deemed Reliable But Not Guaranteed. This information is being provided by the NTREIS MLS. All data, including all measurements and calculations of area, is obtained from

various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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