# Nate Carver, Mortgage Loan Officer (ProLending Mortgage LLC) > Full text summary for AI assistants. Last updated 2026-09-30. Source site: https://natecarver.com/ ## Who Nate Carver is Nate Carver is a mortgage loan officer with ProLending Mortgage LLC (NMLS #2004738). He helps home buyers, move-up buyers, homeowners refinancing and real estate investors with financing. His approach is a steady hand, clear communication and a plan that fits the borrower's real-life goals. - **Service area:** McKinney, Frisco, Celina, Prosper, Plano, Anna, Melissa and the rest of Collin County, Texas, plus Grayson County (Sherman, Denison, Van Alstyne). He also helps buyers on the Florida Panhandle and Alabama Gulf Coast. - **Licensed in:** Texas, Florida and Alabama. - **Phone:** (972) 832-5761 - **Website:** https://natecarver.com/ - **Verify his license:** NMLS Consumer Access, NMLS #2004738 (https://www.nmlsconsumeraccess.org) ## Background Nate is a U.S. Army veteran (Captain) and Bronze Star recipient. He grew up in Sherman, Texas and Pensacola, Florida, is an Eagle Scout, and graduated from Hardin-Simmons University in Abilene, Texas. He hosts the Between Two Doors podcast. VA loans are his lead product, and he partners with real estate agents to get their clients pre-approved and to the closing table. ## Loan products The full list is on https://natecarver.com/products/. Nate originates: - **VA loans:** government-backed financing for eligible veterans, active duty service members and surviving spouses. His lead product. - **Conventional loans** for purchase and refinance - **FHA loans** - **USDA loans** for eligible rural and suburban areas - **Jumbo loans** for higher-priced homes above conforming limits - **DSCR investment property loans,** which qualify the property on its rent coverage instead of personal income - **Bank statement loans** and **self-employed home loans** - **New construction loans** and **residential lot loans** - **Down payment assistance programs** - **Buy Before You Sell program** and **bridge loans** - **Reverse mortgages, HELOC loans and condo loans** - **Commercial loans** Program terms, rates, credit and down payment requirements vary by borrower and property. Nate explains the real numbers on a first call. Nothing here is a commitment to lend. ## Frequently asked questions **Is it better to use a mortgage broker or a bank?** A bank offers its own loan products, while a broker can compare options from multiple lenders to find a suitable solution for your needs. **When should I talk to a mortgage professional?** Before you start house hunting, so you understand your budget, loan options and pre-approval amount. **What is the difference between pre-qualification and pre-approval?** Pre-qualification is an initial estimate of your borrowing ability. Pre-approval involves a more detailed review of your finances and gives a stronger indication of what you may qualify for. **Can a mortgage professional help with less-than-perfect credit or self-employed income?** Potentially. There are loan programs designed for borrowers with non-traditional income or unique financial circumstances. **What documents do I need for a mortgage?** Common documents include identification, income records, bank statements, employment information and details about existing debts. Requirements vary by loan. **Where does Nate Carver offer mortgage loans, and how do I reach him?** Nate is licensed to originate mortgages in Texas, Florida and Alabama. You can call (972) 832-5761 or use the contact form at https://natecarver.com/contact-me/. ## Local guides (summaries) - **VA loans in McKinney for military and Army families** (2026-09-04): Military buyers need a VA file that holds up to a real contract timeline. PCS dates, BAH, residual income and prior VA use all change the plan. Nate works VA as a lead product in McKinney, Celina, Prosper and across Collin County. https://natecarver.com/va-loans-mckinney-military-families-guide/ - **First-time homebuyer loan options in Collin County** (2026-09-07): Nate compares FHA, conventional and VA on the same page with the same taxes, insurance and HOA dues. The lower payment wins, and an overlay the property cannot meet gets dropped. https://natecarver.com/first-time-home-buyer-loan-comparison-mckinney-tx/ - **How DSCR loans work for McKinney investors** (2026-09-10): A DSCR loan looks at whether the rent covers the proposed payment, including taxes, insurance and HOA dues. A vacant property may use market rent. It is not a shortcut around credit or combined loan-to-value. https://natecarver.com/dscr-loan-mckinney-tx-2026-guide/ - **Jumbo and high-balance files in McKinney and Frisco** (2026-09-16): Jumbo is a reserve and asset conversation first. Overlays often want more months of reserves, each asset type counts differently, and large recent deposits need a source before underwriting. https://natecarver.com/jumbo-loan-mckinney-frisco-tx-reserves-income-guide/ - **How McKinney move-up buyers should time the sale and the next purchase** (2026-09-18): Equity after costs, not equity on Zillow. Nate runs a net sheet first, and a contingent offer is a contract tool, not a substitute for a documented file on the next house. https://natecarver.com/mckinney-move-up-buyers-timing-sale-and-purchase/ - **Buying new construction in Celina: a financing timeline** (2026-08-27): Builder preferred lenders versus independent brokers, and the steps to line up before breaking ground. https://natecarver.com/celina-new-construction-financing-timeline-guide/ ## For real estate agents Nate's page for agents (https://natecarver.com/for-realtors/) lists what he offers his agent partners: - **MoveTube:** turns each listing into a branded video commercial and ready-to-use social clips, with lead capture attached to each listing and open house. - **Between Two Doors podcast:** agents are invited as guests to tell their story. Each episode is transcribed and turned into a blog and LinkedIn article. Guest page: https://www.betweentwodoors.com/guests/ - **Qualified buyers:** loans built with approval letters up front, so agents know the parameters before an offer. - **Mortgage Ready Plans:** a clear timeline and monthly check-ins for clients who are not ready to buy yet, then back to the agent when they are. - **Real-time referral program:** outreach by phone, text, email and mail aimed at bringing agents buyers and sellers. - **Closing on time.** ## Podcast Between Two Doors is hosted by Nate Carver. Episodes are on YouTube: https://www.youtube.com/@betweentwodoors ## Contact - Phone: (972) 832-5761 - Contact form: https://natecarver.com/contact-me/ - ProLending Mortgage LLC, NMLS #2004738 (Nate Carver, individual) Consumers may file a complaint about a licensed Texas mortgage loan originator with the Texas Department of Savings and Mortgage Lending (www.sml.texas.gov, 1-877-276-5550).