About Texas Mortgage Plan
Most lenders are focused on getting you approved. We’re focused on something more important — helping you make the right decision.
Texas Mortgage Plan is a mortgage planning firm serving homebuyers, homeowners, and families throughout the DFW Metroplex and across Texas. Founded by Elizabeth Rose and Shea Patton, our team brings decades of combined experience and a rare perspective — Shea holds both a mortgage license and a Texas real estate license, giving our team insight into your transaction from every angle.
We specialize in helping clients who deserve more than a rate quote. Whether you’re purchasing your first home, exploring a Texas cash-out loan, navigating self-employment income, or making a major life transition, we take the time to understand your full financial picture before making a recommendation. That’s not how every lender operates. It’s how we’ve always operated.
Meet the Team
Shea Patton
Mortgage Planner | Licensed Texas Realtor | NMLS# 251397
Shea Patton brings more than 20 years of mortgage experience and a genuinely rare perspective to every client he serves. As both a licensed mortgage professional and a licensed Texas Realtor, Shea understands the homebuying transaction from every angle — not just the financing, but how the contract, the negotiation, and the closing all fit together. For his clients, that dual knowledge makes a real difference.
Shea’s specialty is helping Texas homeowners understand their options with the Texas 50(a)(6) cash-out loan — a powerful but often misunderstood tool. Rather than simply presenting the option, Shea runs the full picture: what consolidating high-interest debt would actually cost, what it would save, and whether it genuinely makes sense for that family’s financial situation. That planning-first approach is what Texas Mortgage Plan is built on.
Ask anyone who has worked with Shea and the first thing they’ll tell you is that he’s warm, unhurried, and genuinely invested in the people he serves — not just the transaction.
A proud Texan through and through, Shea’s family roots in this state run deep — predating the Alamo itself. He and his wife are parents to Madison and Shea Jr., and when he’s not helping clients navigate one of the biggest financial decisions of their lives, you’ll likely find him talking football, admiring a great car, or spending time with his family.
Elizabeth Rose
Mortgage Planner | Certified Divorce Lending Professional (CDLP) | NMLS# 252686
Elizabeth Rose has spent more than 29 years helping Texans make smarter mortgage decisions — not just get approved. Whether she’s working with a first-time homebuyer, a self-employed borrower who’s been told “it’s complicated,” or a homeowner weighing whether a cash-out loan actually makes financial sense, Elizabeth’s approach is the same: understand the full picture first, then build the right strategy.
That planning-first philosophy is the foundation of Texas Mortgage Plan.
Elizabeth’s areas of depth include the Texas 50(a)(6) cash-out loan — one of the most misunderstood tools in Texas real estate. She doesn’t just originate these loans; she helps clients run the real numbers to determine whether consolidating high-interest debt through home equity genuinely improves their financial position. She also specializes in stand-alone home equity loans and has extensive experience with self-employed and non-QM borrowers — clients whose income doesn’t fit a standard box but whose financial story, when told correctly, absolutely qualifies them.
She holds the Certified Divorce Lending Professional (CDLP) designation — a specialty credential held by fewer than one percent of mortgage professionals nationwide — and brings that same precision and care to every client she serves, regardless of the loan type.
Elizabeth is also a published author, speaker, and devoted grandmother who believes that the best financial decisions are made when someone takes the time to truly understand where you are before recommending where to go.
For Elizabeth’s full story, visit 1elizabethrose.com
Texas Mortgage Plan is based in Flower Mound and serves homebuyers and homeowners of all types throughout the DFW Metroplex and across Texas. Texas Mortgage Plan is a d/b/a of Legacy Mortgage | NMLS# 1759275 | Equal Housing Lender
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