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Alfonso Vicencio
Alfonso Vicencio
Real Estate &
Mortgage Expert
REMLO · Texana Bank · NMLS# 2284962
Texana Bank REMLO Team

One Team.
One Process.
One Path to
Homeownership.

Licensed Real Estate Agents and Mortgage Loan Officers who guide you through finding your home and securing your financing — in one seamless experience.


Vilma Pineda
Vilma Pineda
Real Estate &Mortgage Expert
REMLO · Texana Bank · NMLS# 2720299
Discover
2-in-1
License Advantage
1
Unified Process
0
Disconnect Between Buying & Financing
Confidence on Closing Day
The REMLO Advantage

Stop Giving Away Control—and Compensation.

Most clients work with two separate professionals, Turn your real estate expertise into dual revenue streams with Texana Bank’s REMLO Program. separate processes, and two sets of uncertainty. We changed that.

home
01
Find Your Home
We leverage our real estate expertise to identify properties that align with your goals, budget, and lifestyle — before you ever need a second opinion.
2
02
Secure Your Financing
As licensed Mortgage Loan Officers with Texana Bank, we navigate the financing process in-house — faster, cleaner, and without the usual friction.
3
03
Simplify the Process
One team means one conversation. No handoffs, no miscommunication, no delays waiting for someone else to catch up. Everything moves forward together.
4
04
Close With Confidence
Because we've guided both sides of the transaction, closing day is exactly what it should be — the celebration of a dream realized, not a day full of surprises.
Meet the Team

Two experts. One vision.

Alfonso Vicencio and Vilma Pineda bring a rare combination of real estate insight and mortgage mastery to every client relationship.

Alfonso Vicencio
Alfonso Vicencio
REMLO · Real Estate & Mortgage
Licensed Real Estate Agent Mortgage Loan Originator Texana Bank
Alfonso Vicencio has built a career on a simple premise: buying a home should feel empowering, not overwhelming. With dual licensing in both real estate and mortgage lending, he provides clients with an end-to-end advisory experience that eliminates the guesswork and creates genuine clarity at every stage.

His background spans residential transactions, first-time buyer counseling, and investment property guidance — giving him the perspective to meet clients exactly where they are, and guide them confidently to where they want to be.
"The moment you no longer have to explain yourself twice is the moment homebuying becomes what it was always meant to be — exciting."

(210) 895-3538

Work With Alfonso
Vilma Pineda
Vilma Pineda
REMLO · Real Estate & Mortgage
Licensed Real Estate Agent Mortgage Loan Originator Texana Bank
Vilma Pineda brings warmth, precision, and deep financial acumen to every homebuying journey she leads. Fluent in both the language of real estate negotiation and mortgage structuring, she approaches each client relationship with a commitment to clarity that clients have described as genuinely transformative.

With extensive experience guiding first-generation homebuyers, growing families, and seasoned investors alike, Vilma understands that homeownership is never just about a property — it's about building a foundation for everything that comes next.
"When my clients understand every step of the process, something shifts — they go from anxious to confident, from uncertain to ready."

(323) 972-1078

Work With Vilma
What We Offer

Every service you need,
under one roof

From first inquiry to final signature — we're equipped to guide you through every dimension of the homeownership journey.

5

Home Buying Assistance
Full-service home search and acquisition support. We identify properties, schedule tours, craft competitive offers, and negotiate on your behalf — with financing clarity built in from day one.
6

Mortgage Financing
Access to Texana Bank's loan portfolio means competitive rates and diverse product options. We match your financial profile to the right program — no guesswork, no runaround.
7

Pre-Approval Guidance
Start your search with confidence. We walk you through the pre-approval process, helping you understand your true purchasing power before you ever fall in love with a home.
8

First-Time Homebuyer Support
First time navigating this? That's exactly what we're here for. We demystify every step, explain every document, and hold your hand through a process that should feel like a milestone — not a maze.
9

Refinancing Solutions
Already own your home and wondering if your rate still makes sense? We analyze your current loan, current market conditions, and available programs to see if refinancing can work in your favor.
10

Investment Property Financing
Whether you're acquiring your first rental or expanding a portfolio, we understand the distinct financial considerations of investment real estate and structure loans accordingly.

Every service. One team. Zero disconnect.

Schedule a Consultation
Career Opportunity

The REMLO model is
changing the industry.
Are you ready?

A Real Estate Mortgage Loan Originator (REMLO) is a licensed professional who combines the revenue potential and client impact of both a real estate agent and a mortgage loan officer into a single, powerful career.

Learn More About Becoming a REMLO
What Is a REMLO?

Two careers.
One license.
Double the impact.

Traditionally, real estate agents and mortgage loan officers serve overlapping clients through completely separate processes. A REMLO bridges that gap — holding dual licensing to serve clients through the full homebuying journey from property search through loan closing.

This isn't just a career expansion. It's a fundamentally better way to serve clients, generate income, and build a practice that stands apart from the competition. REMLOs affiliated with Texana Bank enjoy access to competitive loan products, institutional support, and the credibility of an established banking brand.

Alfonso and Vilma pioneered this model and are actively looking to grow a team of like-minded professionals who believe the homebuying experience can be better — and are willing to build it.

Start the Conversation
11

Dual Revenue Streams
Earn commissions on both the real estate transaction and the mortgage origination — every time. Most professionals only capture one side of the equation.
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Better Client Experience
Clients who work with a REMLO consistently report higher satisfaction. One relationship, one process — it's the service model that earns lasting referrals.
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Texana Bank Support
REMLOs benefit from institutional credibility, competitive loan products, marketing support, and operational infrastructure that independent agents rarely access.
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Career Differentiation
In a crowded market, the REMLO model is a genuine differentiator. Position yourself as the only professional a client needs — and watch your referral network transform.
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Training & Mentorship
Alfonso and Vilma personally mentor new REMLOs through the transition — covering licensing, systems, client acquisition, and the nuances of managing both sides of a transaction.
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Growing Network
Join a community of forward-thinking real estate and mortgage professionals who are redefining the standard of homebuying service across Texas.
Who This Is For

You might be the perfect REMLO candidate

Real Estate Agents
Already serving buyers and sellers? Adding mortgage licensing creates a second revenue stream from clients you're already working with.
Loan Officers
Tired of waiting for referrals from agents? Becoming a REMLO puts you in control of both sides of the transaction — and both commissions.
Industry Professionals
If you're in mortgage banking, title, or a related field and looking for a high-impact career pivot with existing transferable skills — this model was built for you.
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Client Stories

Words from those who've
walked the path

"I had no idea that working with one team for both the home search and the loan could make this much difference. It felt like they were always three steps ahead. We closed in record time."
M
Maria R.
First-Time Homebuyer · Houston, TX
"We were nervous about the mortgage side of things. Vilma explained everything so clearly that by the time we got to underwriting, we actually felt prepared. That's rare."
J
James & Carla T.
Growing Family · San Antonio, TX
"As an investor, I've been through this process many times with many different agents and lenders. Alfonso's combined expertise saved me weeks and got me a rate I didn't expect to qualify for."
D
David A.
Real Estate Investor · Dallas, TX
Ready to Begin?

Your next chapter starts
with one conversation.

Whether you're buying a home or building a career, we're here to guide you forward.

Learn More About Becoming a REMLO Schedule a Consultation
Get In Touch

Let's talk about
your next move.

Whether you're a homebuyer ready to start your search, a real estate professional curious about the REMLO model, or a referral partner looking to connect — reach out. We respond personally.

📍
Service Area
Texas — Including Houston, San Antonio, Dallas, Austin & Surrounding Communities
🏦
Affiliated With
Texana Bank · Member FDIC · Equal Housing Lender
Availability
Monday – Saturday · By Appointment & Walk-In
Alfonso Vicencio
Alfonso Vicencio
REMLO · Texana Bank
Vilma Pineda
Vilma Pineda
REMLO · Texana Bank
Start the Conversation
Fill out the form below and we'll be in touch within one business day.
By submitting this form you agree to be contacted by the Vicencio & Pineda REMLO Team at Texana Bank. Your information is never shared or sold. This is not a loan application. NMLS registration numbers available upon request. Equal Housing Lender.

Message Received

Thank you for reaching out. Alfonso or Vilma will be in touch personally within one business day.