# 40 Acres Lending

> Education-to-Equity mortgage solutions from Gena Caudle, a licensed Texas mortgage broker (NMLS #342847). Forty Acres Lending offers purchase loans, refinances, VA loans, and first-time buyer programs with a focus on clear education and transparent guidance.

## Pages

- [Home](/): Overview of Forty Acres Lending and Gena Caudle's mortgage services in Texas.
- [About Us](/about-us): Mission, values, and the Education-to-Equity approach.
- [Meet Our Team](/meet-our-team): Gena Caudle's background and the support network behind every loan.
- [Loan Options](/loan-options): Conventional, FHA, VA, USDA, jumbo, and refinance programs.
- [VA Loans in Texas](/loan-options/va-loans-texas): 2026 VA loan limits, who pays closing costs, funding fee, and Texas Veterans Land Board benefits.
- [Mortgage Calculator](/mortgage-calculator): Free calculators for purchase, refinance, affordability, VA, and DSCR.
- [Get Pre-Qualified](/mortgage-prequalified): No-credit-pull mortgage pre-qualification.
- [Mortgage FAQ](/faq): Answers to common questions on down payments, credit, PMI, closing costs, and loan types.
- [Learning Center](/learning-center): Guides, calculators, and resources for homebuyers and homeowners.
- [Mortgage Freedom Hub](/education): Free video lessons, webinars, and homeowner tools.
- [Blog](/blog): Curated mortgage and housing headlines from trusted industry sources.
- [Reviews](/reviews): Verified Google reviews from Texas homebuyers.
- [Second Look](/second-look): No-pressure second opinion on an existing mortgage quote or denial.
- [Contact](/contact-us): Reach Gena Caudle directly at (512) 964-3772.

## Optional

- [Privacy Policy](/privacy-policy)