Mortgage Broker • Midland, TX
Your Blueprint to Homeownership
First-time buyer? Credit challenges? Self-employed? I'll find the right loan for YOUR situation.

Loan Programs
Find the Right Loan for You
Every situation is different. Let's find the loan program that fits your goals.

25+ Lenders
One broker shopping them all for you
Your Advantage
Why Families Choose Me
I Shop 25+ Lenders For You
Unlike a bank that only offers their own products, I'm a broker with access to over 25 wholesale lenders. This means I find the best rate and terms for YOUR situation — not just what one company happens to offer.
You're Not Just a File Number
Buying a home is personal. I take the time to understand your goals, answer your questions (even the ones you think are dumb), and guide you through every step. You'll always reach me directly — not a call center.
I Know the Permian Basin
I live and work here. I understand the unique challenges of oil field schedules, contractor income, and the West Texas market. Local knowledge means better solutions for you.
Testimonials
What My Clients Say
“As a first time home buyer we were lucky to have Chris Karns. He was patient and explained every process in great detail to us thoroughly, and believe me we had a ton of questions. I highly recommended letting Chris handle your loan options, we're very happy with the rate we got when we purchased our home.”
— Anthony T.
“Chris Karns has helped me with two different mortgages now, and both experiences have been great. He made the process smooth and fast. Chris is always willing to answer questions. He truly cares about helping his clients get the best possible outcome. I wouldn't hesitate to recommend him to friends, family, or anyone looking for a loan officer.”
— Omar V.
“I met Chris when I was in Iraq and he helped me buy my first house years later. He was incredibly thorough and helpful in guiding me through the process, especially being my first home and first mortgage.”
— Michael W.
“Me gusta su atención su empeño en ayudar.”
— Lazaro M.
“Chris Karns was absolutely amazing throughout our home-buying journey. He answered all our questions with patience and clarity, and we never once felt left in the dark. Buying a home can be incredibly stressful, but Chris made the entire process smooth and manageable. His professionalism, communication, and dedication truly stood out. We couldn't have asked for a better experience—highly recommend!”
— Nadeen R.
“We had an awesome experience with Chris. When many people told us no he found a way to help us out and say yes. He was attentive the whole time to our wants and concerns. I hear bad things about people not knowing certain things when buying a home but with him everything was very transparent. Thanks again Chris for your hard work and getting us into our new home. Would 100% recommend him and would do business with him again if needed.”
— Elias G.
“From start to finish, working with Chris Karns was an exceptional experience. He took the time to explain every step of the process clearly, answered all our questions promptly, and made sure we felt confident with each decision. His professionalism, transparency, and attention to detail truly set him apart. What really impressed me was how smoothly everything went—no surprises, no delays, just a stress-free path to closing. He went above and beyond to make sure we got the best possible rate and terms, and I always felt like he had my best interests at heart.”
— Tony L.
“This is our go to guy...Chris brings top notch expertise to the table along with professionalism. He is thorough in every aspect of the process. Without a doubt, choose Chris for ALL your mortgage needs. You will never want to use another lender once you have had the Chris Karns experience!”
— Janelle M.
“Chris is the man he definitely does his homework to get you the best possible interest rate. I wouldn't even consider using someone else that's how much confidence I have in Chris. Even after the sale I give him a call for questions and he still takes the time out of his schedule to give me great advice. Thanks for everything!”
— Paul W.
“My wife and I had a great experience with Chris. He was very professional, responsive, and made the entire home loan process smooth and stress free. I highly recommend!”
— Hakam A.
“As a first time home buyer we were lucky to have Chris Karns. He was patient and explained every process in great detail to us thoroughly, and believe me we had a ton of questions. I highly recommended letting Chris handle your loan options, we're very happy with the rate we got when we purchased our home.”
— Anthony T.
“Chris Karns has helped me with two different mortgages now, and both experiences have been great. He made the process smooth and fast. Chris is always willing to answer questions. He truly cares about helping his clients get the best possible outcome. I wouldn't hesitate to recommend him to friends, family, or anyone looking for a loan officer.”
— Omar V.
“I met Chris when I was in Iraq and he helped me buy my first house years later. He was incredibly thorough and helpful in guiding me through the process, especially being my first home and first mortgage.”
— Michael W.
“Me gusta su atención su empeño en ayudar.”
— Lazaro M.
“Chris Karns was absolutely amazing throughout our home-buying journey. He answered all our questions with patience and clarity, and we never once felt left in the dark. Buying a home can be incredibly stressful, but Chris made the entire process smooth and manageable. His professionalism, communication, and dedication truly stood out. We couldn't have asked for a better experience—highly recommend!”
— Nadeen R.
“We had an awesome experience with Chris. When many people told us no he found a way to help us out and say yes. He was attentive the whole time to our wants and concerns. I hear bad things about people not knowing certain things when buying a home but with him everything was very transparent. Thanks again Chris for your hard work and getting us into our new home. Would 100% recommend him and would do business with him again if needed.”
— Elias G.
“From start to finish, working with Chris Karns was an exceptional experience. He took the time to explain every step of the process clearly, answered all our questions promptly, and made sure we felt confident with each decision. His professionalism, transparency, and attention to detail truly set him apart. What really impressed me was how smoothly everything went—no surprises, no delays, just a stress-free path to closing. He went above and beyond to make sure we got the best possible rate and terms, and I always felt like he had my best interests at heart.”
— Tony L.
“This is our go to guy...Chris brings top notch expertise to the table along with professionalism. He is thorough in every aspect of the process. Without a doubt, choose Chris for ALL your mortgage needs. You will never want to use another lender once you have had the Chris Karns experience!”
— Janelle M.
“Chris is the man he definitely does his homework to get you the best possible interest rate. I wouldn't even consider using someone else that's how much confidence I have in Chris. Even after the sale I give him a call for questions and he still takes the time out of his schedule to give me great advice. Thanks for everything!”
— Paul W.
“My wife and I had a great experience with Chris. He was very professional, responsive, and made the entire home loan process smooth and stress free. I highly recommend!”
— Hakam A.

“I don't just find you a loan — I find the RIGHT loan.”
— Chris Karns

Meet Your Loan Officer
Hi, I'm Chris Karns
I've helped hundreds of families in Midland, Odessa, and the surrounding Permian Basin achieve their dream of homeownership. I specialize in working with first-time buyers, self-employed professionals, and people who've been told “no” by other lenders. There's almost always a path forward — let's find yours.
When I'm not helping clients, you'll find me working out or chasing my children. I'm proud to call West Texas home.
Learn More About Me →FAQ
Quick Answers
As little as 3.5% with an FHA loan, and there are down payment assistance programs that can help cover even that.
FHA loans accept credit scores as low as 580. Even if your score is lower, let's talk — there may be options.
Most pre-approvals take 24-48 hours once I have your documents.
Nope! Everything can be done online and over the phone. I serve clients throughout West Texas remotely.
Ready to Take the First Step?
Schedule a free, no-pressure consultation. We'll review your situation, discuss your options, and create your blueprint to homeownership.
NMLS# 918977 | Equal Housing Lender