Houston Mortgage Options
Every financial situation is unique. We'll match you with the perfect loan program to achieve your real estate goals.
Conventional Loans
The gold standard for borrowers with strong credit and stable income.
Ideal For
Buyers with good credit (640+) and 3%+ down payment
Key Features
- ✓Down payment as low as 3%
- ✓Competitive interest rates
- ✓Flexible term options (15, 20, 30 years)
- ✓No mortgage insurance with 20%+ down
- ✓Loan amounts up to $766,550
FHA Loans
Government-backed loans designed for first-time buyers and those with lower credit scores.
Ideal For
First-time buyers or those with less-than-perfect credit
Key Features
- ✓Down payment as low as 3.5%
- ✓Credit scores from 580+
- ✓More lenient debt-to-income ratios
- ✓Assumable loans
- ✓Gift funds allowed for down payment
VA Loans
Zero down payment loans for military service members, veterans, and eligible spouses.
Ideal For
Active duty military, veterans, and eligible spouses
Key Features
- ✓0% down payment required
- ✓No private mortgage insurance (PMI)
- ✓Competitive interest rates
- ✓Limited closing costs
- ✓No prepayment penalties
Jumbo Loans
High-balance financing for luxury properties exceeding conforming loan limits.
Ideal For
Luxury home buyers in Houston's premium markets
Key Features
- ✓Loan amounts $766,551+
- ✓Competitive rates for luxury market
- ✓Down payment typically 10-20%
- ✓Custom underwriting for high-net-worth clients
- ✓Portfolio loan options available
Refinance
Lower your rate, tap equity, or change your loan structure strategically.
Ideal For
Homeowners looking to optimize their mortgage
Key Features
- ✓Rate & term refinance
- ✓Cash-out refinance up to 80% LTV
- ✓Streamline refinance options
- ✓Debt consolidation
- ✓Remove PMI
Investment Property Loans
Build wealth through real estate with specialized investor financing.
Ideal For
Real estate investors and rental property owners
Key Features
- ✓DSCR (Debt Service Coverage Ratio) loans
- ✓No income verification options
- ✓Portfolio financing available
- ✓Up to 10 financed properties
- ✓Rental income qualifying
Not Sure Which Loan Is Right for You?
Let's discuss your situation and find the perfect financing strategy.