How many years of experience does Dustin Carlson have?

Dustin Carlson has over 25 years of mortgage lending experience and has funded more than 10,000+ home loans across the nation through First Colony Mortgage Corporation, NMLS #3112.

What is Dustin Carlson's NMLS number?

Dustin Carlson's personal NMLS number is #193009. He operates through First Colony Mortgage Corporation, NMLS #3112 Corporation.

What loan types does Dustin Carlson specialize in?

Dustin Carlson specializes in FHA loans, VA loans, conventional loans, jumbo loans, DSCR investor loans, bank statement loans for self-employed borrowers, bridge loans, down payment assistance programsand Non-QM financing.

How do I get pre-qualified with Dustin Carlson?

You can get pre-qualified with Dustin Carlson in approximately 90 minutes with com. He can be reached directly at (281) 939-5191.

What states does Dustin Carlson lend in?

Through Dustin originates loans nationwide through First Colony Mortgage Corporation (NMLS #3112). Contact Dustin to confirm availability in your specific state. Contact him directly to confirm availability in your specific state.

Loan Officer · NMLS #193009

Dustin Carlson

Senior Loan Officer at First Colony Mortgage Corporation · 25+ Years of Experience · 10,000+ Loans Originated across the nation. Pre-Qual

About

25 Years of Closing Deals. Thousands of Families Helped.

Dustin Carlson has been helping families, veterans, investors and business owners finance their homes for over 25 years. In that time, he's closed more than 10,000+ loans — from first-time buyers using Down Payment Assistance to investors financing multi-property DSCR portfolios, to veterans exercising their VA benefits for the first time.

What sets Dustin apart isn't just experience. It's that he treats every transaction as if it were his own home purchase — with urgency, honestyand a drive to close on time. His 90-minute pre-qualification process is designed to give buyers a real answer fast, not a vague "maybe."

Dustin operates through First Colony Mortgage Corporation (NMLS #3112) — one of Texas's most established mortgage companies, in business for over 40 years and having

Why Work with Dustin

What Clients Say Sets Him Apart

With over 361 verified reviews averaging 4.89 stars, Dustin's clients consistently point to three things: his speed, his communicationand his ability to find solutions when other lenders say no.

Dustin answers his phone. He returns calls the same day. He explains complex loan options in plain English. And he doesn't waste your time — if a loan won't work, he tells you immediately and pivots to a program that will.

His deep specialization in Non-QM, DSCR and bank statement loans means he's a go-to resource for borrowers who've been turned away by conventional lenders — and his VA loan expertise has helped hundreds of veterans access a benefit they'd never used before.

Loan Programs

Dustin's Core Specializations

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FHA Loans + DPA

3.5% down with 580+ credit. Expertly stacked with Down Payment Assistance for $0 out-of-pocket closings in Texas.

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VA Loans

0% down, no PMI, competitive rates for veterans and active duty. VA jumbo with no loan limit for full-entitlement borrowers.

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Jumbo Loans

Above $832,750 in standard areas. Minimum 640 credit score. Programs up to $3M+ with as little as 5% down.

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DSCR Loans

Min. 0.75 DSCR · No W-2s required

Investment property financing based on rental income — no W-2s or tax returns required. Ideal for portfolio investors.

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Bank Statement Loans

Qualify using 12–24 months of deposits. Designed for self-employed borrowers, 1099 contractors and business owners.

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Refinancing

Rate-and-term, cash-out, FHA Streamlineand VA IRRRL. Complimentary break-even analysis to determine if refinancing makes sense.

Calculator results are for illustrative purposes only. Consult a financial professional before making lending decisions.

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Conventional Loans

3–20% down. HomeReady and Home Possible for income-qualified buyers. Best for 680+ credit scores.

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USDA Loans

0% down for eligible buyers in rural and suburban areas. Many Texas communities qualify — ask Dustin about your zip code.

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Bridge Loans

Buy your next home before selling your current one. Structured for move-up buyers who need flexibility without a contingency offer.

First Colony Mortgage

Backed by One of Texas's Most Trusted Lenders

Dustin operates through First Colony Mortgage Corporation, headquartered in Texas and licensed across the nation. First Colony has been serving homebuyers for over 40 years As a direct lender, First Colony controls the entire process — from pre-qualification through closing — which means fewer delays, faster decisionsand more loan options than most brokers can offer.

Contact Dustin Directly