Rate Advantage — Low Cost High Trust

Serving all of Texas · Houston · Austin · Dallas & beyond

Get pre-approved to buy a home anywhere in Texas.

From Houston, Austin and Dallas to San Antonio, Fort Worth, El Paso and every Texas town in between — know your budget before you tour. Answer a few quick questions and Jared will put together a pre-approval game plan that fits your goals — whether this is your first home or your next one.

  • Takes about 60 seconds — no documents needed to start
  • Filling out this form does not pull your credit
  • FHA, VA, Conventional, Jumbo & Bank-Statement options
  • Personal guidance from a Texas-born loan advisor
Start my pre-approval Ready to apply? Apply Now (opens in a new tab)

Low Cost. High Trust.

Start your pre-approval

Step 1 of 3

Jared HrabovskySr Loan Officer · NMLS #408959

Your move

Where in Texas are you buying?

When do you want to buy?

Is this your first home?

Your budget

Are you working with a real estate agent?

Contact details

Submitting this form is not a loan application and does not affect your credit. Your info is handled per our Privacy Policy.

Why get pre-approved with Jared

Shop with confidence

Know what you can comfortably afford before you fall in love with a house, and make offers backed by a pre-approval.

Options for first-time buyers

FHA loans with down payments as low as 3.5%, VA loans with no down payment and no PMI for those who served, and fixed-rate terms from 15 to 30 years.

Self-employed? Covered.

Bank Statement programs are built for business owners and borrowers with non-traditional income documentation.

A real person, start to finish

“If it is important to you, it is important to me! Call me.” You get Jared — not a call center — from first question to closing.

How it works

  1. 1

    Tell us your plans

    Where in Texas, timeline and budget — about a minute.

  2. 2

    Talk with Jared

    Review your goals and the loan programs that fit them.

  3. 3

    Get pre-approved

    Apply, upload documents, and shop for your home with a clear budget.

Start my pre-approval
Jared Hrabovsky, Sr Loan Officer at Rate Advantage

Meet Jared

Jared Hrabovsky

Sr Loan Officer · Rate Advantage · NMLS #408959

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Top Originator

“With over 15 years experience in the mortgage and real estate business, I will guide you to the best loan products available. Born and raised in Texas, I have lived in the Houston and Austin areas most of my life. It would be an honor for me to be your trusted loan advisor.”

We want to be your trusted mortgage advisors for life.

Jumbo · FHA · VA · Conventional · Bank Statement · Construction · DSCR / Investment

Prefer to talk first?

Jared Hrabovsky Mortgage Team
Office hours: 8:00 am – 5:00 pm

Call (832) 520-9963 jared@rate-advantage.com

Ready to apply?

Apply Now (opens in a new tab)
Get pre-approved — 60 seconds