- 1. Prequalify & Plan
- 2. Gather Documents
- 3. Loan Underwriting
- 4. Closing Day!
Houston Energy. Coastal Soul.
Home financing done beautifully.
From the heart of Houston to the shores of Galveston Bay—and everywhere in between—I make home financing simple, smooth and personal.
30 Years of Experience. All States. One Dedicated Partner.
Boutique Service
- Responsive & Personal
- Expert Guidance
- Competitive Solutions
- Veteran Friendly
- Licensed in All States
Houston City Life
High-rise to neighborhoods, I have you covered.
Coastal Living
From Galveston Bay to the Gulf—let's get you home.
Wherever Home Is
Proudly lending in all 50 states.
Veteran & First Responder
Honoring those who serve our communities.
More Than a Mortgage
It's a Relationship.
With over 30 years in the mortgage industry, I believe home financing should feel clear, comfortable, and even enjoyable. I take the time to listen, educate, and create a plan tailored to you—so you can move forward with confidence.
30+ Years Experience
Top 20% LO Producer
100% Compliance Score
5 Star Client Experience
★★★★★
"Sarah made the entire process seamless. She truly cares and goes above and beyond for her clients. Highly recommend!"
The Sarah Bell Lane Experience
Simple. Clear. Personal.
1
Tell me what you're hoping to accomplish
We'll discuss your financial goals and outline custom strategies.
2
Apply securely online in just minutes
Submit your application securely through the Preferred Funding, LLC portal.
3
We'll review your options & create a custom plan
Evaluate customized loan programs structured around your profile.
4
Get confidently pre-approved
Get a verified preapproval to strengthen your home-buying offers.
5
Close & celebrate home!
Direct communication and professional support from application to key day.
Start My Home Journey
I'll guide you every step of the way.
Loan Solutions
Designed Around You.
Conventional Loans
FHA Loans
VA Loans
Jumbo & High Balance
Investment Properties
Renovation & Construction
First-Time Homebuyer
Refinance Options
All programs are subject to borrower qualification, underwriting approval, property eligibility, and specific program requirements.
Free Homebuyer Guide
Get My Free Guide
Your step-by-step roadmap to buying with confidence.
Roadmap Steps
The Homebuyer Roadmap
Your Guide to a Smooth Home Journey
Local Expertise. Big Picture Experience.
Rooted in Texas. Licensed Nationwide.
Proudly serving the Houston Metro, Galveston County, coastal communities, and clients nationwide.
HOUSTON | KATY | SUGAR LAND | THE WOODLANDS | PEARLAND | CLEAR LAKE | LEAGUE CITY | GALVESTON | SEABROOK | KEMAH
LICENSED IN ALL 50 STATES — ONE DEDICATED PARTNER
Common Questions
Frequently Asked Questions
Find answers to common questions about the mortgage lending process.
How do I start the mortgage process?
The best way to start is by completing a secure online application through the Preferred Funding, LLC secure portal. Alternatively, you can contact Sarah directly to discuss your goals before applying.
What is the difference between prequalification and preapproval?
Prequalification is an initial estimate of how much you might be able to borrow based on unverified information. Preapproval involves a thorough review of your verified documentation and credit history, providing a stronger indication of your borrowing capacity.
How much down payment do I need?
Down payment requirements vary significantly by program. While some loans require 20%, others may allow 3.5%, 3%, or even zero down for eligible borrowers and properties.
What credit score is needed to qualify?
Credit score requirements depend on the specific loan program. FHA and VA loans often offer more flexible credit guidelines, while Conventional and Jumbo loans typically require higher scores.