Preferred Partner · Mortgage Lending

Jen
Hobbs

Future First Mortgage NMLS #1399122 Padre Island, TX

Nearly two decades in real estate and lending, and five years living on Padre Island. Jen structures home loans for buyers and agents across the Texas Gulf Coast, so nobody is left waiting or wondering during the mortgage process.

Start Your Pre-Approval Estimate A Payment
Jen Hobbs, Mortgage Loan Originator at Future First Mortgage
Jen Hobbs Future First Mortgage
Purchase Financing Pre-Approvals For Buyers Second Homes & Coastal Property Investment Property Loans Refinance Options Agent Partnership Support Purchase Financing Pre-Approvals For Buyers Second Homes & Coastal Property Investment Property Loans Refinance Options Agent Partnership Support
Bright modern home interior

“My goal is a process where buyers and their agents never have to wait or wonder.”

Jen Hobbs
Meet Your Lender

Two decades in real estate.
A decade in lending.

Jen was born and raised in Sumner, Washington, and started her real estate career in 2007 working alongside her mother as part of a multi-generational real estate family. Over time she found her real passion was on the lending side, and with encouragement from the Wilson Team she moved into mortgage lending more than a decade ago.

After heading south with her husband, the two eventually landed on the Texas Gulf Coast. For the past five years Padre Island in Corpus Christi has been their forever home, though they still travel back to the Pacific Northwest often to see family.

Her background spans real estate sales, processing, and pre-approvals, which means she brings a working knowledge of loan structures and guidelines to every conversation. Outside of work she is happiest outdoors, travelling, or spending time with her family. Helping clients, friends, and referrals reach homeownership is something she treats as an honour — and she intends to be your lifelong lender, not a one-transaction contact.

2007 In Real Estate Since
10+ yrs Mortgage Lending
Local Padre Island Resident
Home Finance

Financing built around
the coastal buyer.

Buying on the Texas Gulf Coast often means second homes, rental income, and property types that need a lender who understands them. Jen works through the structure and the guidelines before the offer goes in, so the pre-approval holds up when it matters.

Buying a home

Financing for primary residences, from first purchase through move-up buyers relocating to the coast.

  • Pre-approval before you shop
  • Loan structure and payment comparisons
  • Down payment planning

Second homes

Guidance for buyers financing a coastal getaway on Padre Island, Port Aransas, or across Corpus Christi.

  • Second-home qualification requirements
  • Occupancy and reserve guidelines
  • Coastal property considerations

Investment property

Support for buyers weighing short-term rental and long-term hold opportunities along the Gulf Coast.

  • Investment loan structures
  • How rental income is treated
  • Planning for multiple properties

Refinancing

A look at whether refinancing makes sense for your term, your payment, or the equity in your home.

  • Rate and term review
  • Break-even comparison
  • Equity and cash-out options

Pre-approval that holds

A background in processing and underwriting guidelines means the numbers are checked before you write an offer.

  • Documentation reviewed up front
  • Guideline issues flagged early
  • Letters sized to your offer

Working with agents

Agents get a lending partner who communicates. Updates come to you before you have to chase them.

  • Proactive milestone updates
  • Fast pre-approval turnaround
  • Direct line to your lender
What To Expect

From first call
to closing day.

The mortgage process runs in a set order. Here is what each stage looks like and what Jen needs from you at each point.

01

Talk it through

A conversation about the property you have in mind, your timeline, and the budget you are comfortable with. No application required to start.

02

Get pre-approved

You submit income, asset, and credit documentation. Jen reviews it against loan guidelines and issues a pre-approval you can shop with.

03

Go under contract

Once your offer is accepted, the file moves into processing and underwriting. Appraisal, title, and insurance are ordered and tracked.

04

Close and move in

Final approval, closing disclosure, and signing. Jen stays available afterwards for refinancing questions and future purchases.

Run The Numbers

Estimate your full
monthly payment.

Principal and interest is only part of what you pay each month. Adjust the figures below to see taxes, insurance, HOA dues, and mortgage insurance included in the total.

Your Numbers
$
$
%
%
%
$
$
%
Estimated Monthly Payment
Total each month
$0

Loan amount $0 over 30 years

  • Principal & interest $0
  • Property taxes $0
  • Home insurance $0
  • HOA dues $0
  • Mortgage insurance $0
Total interest paid $0
Total of all payments $0
Payoff date —
Loan-to-value 0%

Estimates only. Actual rates, taxes, insurance, and mortgage insurance vary by property, credit profile, and loan program. Contact Jen for figures specific to your situation.

Get Real Numbers From Jen
Start The Conversation

Let's get you
pre-approved.

Send your details through and Jen will be in touch to talk about your purchase, your timeline, and the financing that fits. If you would rather talk first, her direct line is below.

Jen Hobbs, Mortgage Loan Originator at Future First Mortgage
Jen Hobbs Future First Mortgage · NMLS #1399122

Based on Padre Island, working with buyers and agents across the Texas Gulf Coast.

Contact Jen Hobbs

Share a few details and Jen will follow up directly. Your information goes straight to her.

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NMLS #1399122

Jen Hobbs is a licensed mortgage loan originator with Future First Mortgage. All loan programs, rates, terms, and conditions are subject to credit approval, property appraisal, and applicable underwriting guidelines, and may change without notice. This page is not a commitment to lend. Jen Hobbs and Future First Mortgage are independent of Mel Sells Island Life.