The NEW approach to your mortgage.
At NEO Home Loans, we empower you with financial literacy and help guide your journey to financial freedom.
Schedule your dreams & goals call
Justin Padron
Senior Mortgage Planner | NMLS# 1661929
Professional. Trustworthy. Thorough. Detail-Oriented.
Justin Padron is a licensed Mortgage Originator serving all of Texas and Oklahoma. His goal is to educate clients and help find them a mortgage that suits their individual needs. While any lender can provide a client with a mortgage and debt, Justin takes great care and time to dedicate value to his clients by providing advice, service, and information to each client before, during, and after the transaction. Justin is a respected and knowledgeable Loan Originator with Neo Home Loans. Neo Home Loans is committed to providing our clients with the highest quality financial services combined with competitive rates.
Contact Justin to learn more!

The NEO Experience
Being a successful homeowner is so much more than just buying a home and making your mortgage payment. The NEO Experience will make sure your home will always be a powerful tool that can help you achieve your financial goals, create generational wealth, and enjoy a secure retirement.
OUR PROCESS
Step 1
Discovery
We need to learn about you so we can understand your financial situation and long-term goals before we prescribe a mortgage strategy.
Step 2
Strategy
We will analyze mortgage options with the lowest cost and greatest prosperity potential for you and your family, then present you with a Total Cost Analysis - a digital and easy-to-read breakdown of your mortgage options.
Step 3
Execution
We create a flawless home loan experience for you. If you are in a highly competitive market, we will position you to close your loan as quickly as possible. If you need more time to prepare, we will continue to advise you on your financial situation until you are ready to buy or refinance your home.
Step 4
Wealth Maximization
Your life and the real estate market where you live can change rapidly. Even after you are in your new home, we will continue to manage your mortgage and help you maximize your wealth.
The closing of your loan is just the start of our relationship.
Monthly Real Estate Wealth Digests

Stay informed about the value of your home!
Our monthly report offers an intuitive financial dashboard, tailored to enhance your wealth-building journey with your most significant asset: your home.
We are committed to ensuring you always have a clear and accurate understanding of your home's value and its impact on your family's financial wellbeing.