Mortgage Lender Houston, Texas
Proudly serving the Houston community, we are your trusted local mortgage lender in Texas for over 125+ years. Whether you’re in the market for a new home loan or considering mortgage refinancing, our expert team is here to help. We offer a range of financing options, including 30-year fixed and 15-year fixed mortgage terms, allowing you to choose the plan that best fits your financial goals.
We offer a variety of Texas mortgage options—including Texas USDA Loans, Texas FHA Loans, Texas VA Loans, Texas Mortgage Refinance, Texas Home Equity Loans, and Texas Jumbo Loans—we are dedicated to providing personalized solutions tailored to your needs. If you’re looking for reliable and professional mortgage services in Houston, TX, we’ve got you covered.
Loan options
Houston 30 Year Fixed Mortgage
Lower Monthly Payments
By spreading your mortgage payments over a longer period, your monthly payments become more manageable, making it easier to balance your budget and other financial commitments in Texas.
Fixed Interest Rates
Enjoy the peace of mind that comes with a fixed interest rate, ensuring your mortgage payment stays consistent throughout the life of the loan, so you never have to worry about rate increases.
Affordable Down Payment
You can purchase a new home in Texas with a down payment as low as 3%, making it easier to achieve homeownership even if you have limited upfront funds.
No Prepayment Penalties
If you choose to pay off your mortgage early, you won’t face any prepayment penalties, giving you the flexibility to become mortgage-free sooner without any extra costs.
Loan options
Houston Mortgage Refinance
Unlock Cash from Your Home’s Equity
Refinancing your Texas mortgage allows you to tap into the equity you’ve built up over time, giving you access to cash that can be used for home renovations, paying off high-interest debt, or covering other significant expenses.
Lower Your Monthly Payment
By refinancing to a lower interest rate or extending your loan term, you can reduce your monthly mortgage payments. This extra cash flow can be redirected towards other financial goals, such as saving for your children’s college education or boosting your retirement savings.
Shorten Your Loan Term
Refinancing to a shorter loan term lets you pay off your mortgage faster while saving on interest. We offer flexible loan terms helping you become mortgage-free sooner in Texas.
Stabilize Your Financial Future
Refinancing your Texas home can offer a more stable and predictable financial outlook, allowing you to adjust your mortgage to better fit your long-term financial plans.
Loan options
Houston FHA Loans
Easier Credit Score Qualification
FHA loans are accessible to borrowers with credit scores as low as 580, making homeownership possible even if your credit isn’t perfect.
Lower Down Payment
With an FHA loan, you can secure a home with a down payment as low as 3.5%, reducing the upfront cost of purchasing a property.
Lenient Debt-to-Income (DTI) Ratios
FHA loans offer more flexible debt-to-income ratio requirements, making it easier for borrowers with existing debt to qualify for a mortgage.
Versatile Loan Terms
Choose from various loan terms, including 15-year or 30-year options, with either fixed or adjustable interest rates to fit your financial needs and goals.
Quicker Eligibility After Financial Setbacks
FHA loans allow for shorter waiting periods following significant financial events like foreclosure, bankruptcy, or missed payments, helping you get back on track towards homeownership sooner.
Loan options
Houston 15 Year Mortgage
Substantial Interest Savings
Opting for a 15-year loan term instead of 30 years can lead to significant interest savings over the life of your mortgage, helping Texas homeowners build equity more quickly and pay off their homes faster.
Consistent Fixed Interest Rates
A fixed interest rate ensures your mortgage payment remains stable over time, protecting you from potential rate increases, so you can confidently manage your budget in Texas (excluding changes in taxes and insurance).
Low Down Payment Options
With the ability to make a down payment as low as 3%, you can achieve homeownership in Texas more easily, even if you have limited upfront funds, making it possible to buy a home in communities across the state.
No Prepayment Penalties
Texas homeowners can enjoy the freedom to pay off their mortgage early without any prepayment penalties, allowing you to save on interest and become mortgage-free on your own terms.
Loan options
Houston VA Loans
Zero Down Payment
With a VA loan, you can purchase a home in Texas with no money down, making it an excellent option for eligible veterans and service members who want to achieve homeownership without a large upfront cost.
Competitive Interest Rates
VA loans often feature lower interest rates compared to other mortgage options, helping Texas homebuyers save money over the life of their loan and making monthly payments more manageable.
No Private Mortgage Insurance (PMI)
VA loans eliminate the need for monthly private mortgage insurance payments, reducing your overall housing costs and making homeownership more affordable across Texas.
100% Access to Home Equity
VA loans uniquely allow you to convert up to 100% of your home’s equity into cash, providing you with unparalleled financial flexibility if you meet the qualifications, whether you’re in Houston, Dallas, Austin, or anywhere else in Texas.
Streamlined Rate and Term Refinancing
If you already have a VA loan, you may qualify for a streamlined refinance with fewer documentation requirements and no need for an appraisal, making it easier to lower your interest rate or change your loan term in the Texas market.
Loan options
Houston Jumbo Loans
Increased Borrowing Power
A Jumbo loan gives you the ability to finance high-value properties, with loan amounts available up to $1 million or more, making it ideal for purchasing luxury homes in Texas.
Versatile Property Financing
Whether you’re buying a primary residence, a second home, or an investment property, a Jumbo loan provides the flexibility to finance various types of real estate in Texas.
Streamlined Documentation
Our Jumbo loan process requires less paperwork compared to many other jumbo loan options, simplifying the application process and helping you close on your Texas property faster.
Competitive Interest Rates
Despite the larger loan amounts, Jumbo loans often come with competitive interest rates, making high-value property purchases more affordable over the long term.
Customizable Loan Terms
Choose from a range of loan terms and interest rate options to create a financing solution tailored to your specific needs and financial goals in the Texas market.
Loan options
Houston Home Equity Loans
Maintain Your Current Mortgage
A Texas Home Equity Loan acts as a second mortgage, allowing you to keep your existing first mortgage and its interest rate unchanged. This is ideal if you don’t want to refinance but still need access to cash without altering your current mortgage terms.
Access a Lump Sum of Cash
If you’ve paid down your mortgage significantly, a Texas Home Equity Loan allows you to tap into your home’s equity with a lump sum starting at $45,000 and up to $500,000, giving you the financial flexibility to cover major expenses or invest in opportunities within the Lone Star State.
Plan for an Additional Payment
With a Texas Home Equity Loan, you’ll take on a second mortgage payment in addition to your first. However, because it comes with a fixed interest rate, your monthly payment will remain consistent, allowing you to budget confidently and manage your finances effectively in Texas.
