Houston Home Loans:
Your Reliable Path Home

From Pre-Approval to Closing, We’re With You Every Step. Competitive Rates, Expert Guidance, Local Knowledge

Buying a home in Houston is an exciting milestone, and having the right mortgage loan can make all the difference in turning that dream into reality. Whether you’re a first-time buyer, a veteran, self-employed, or an investor, Houston offers a variety of home loan programs designed to fit your unique needs. With competitive mortgage rates, flexible loan options, and expert guidance tailored specifically for Houston’s dynamic real estate market, you can confidently take the next step toward homeownership.

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Houston skyline at sunrise viewed from a park trail, highlighting the city’s appeal for home loans and real estate opportunities.

Why Choose Houston for Your Home Loan?

Houston is one of the fastest-growing cities in the nation, boasting diverse neighborhoods, vibrant communities, and strong economic opportunities. This thriving real estate market means there are homes for every lifestyle and budget. By working with a local Houston mortgage broker, you gain access to tailored financing options and down payment assistance programs unique to the area. Plus, local expertise ensures you get personalized service that understands Houston’s market.

Mortgage Loan Options in Houston

FHA Loans

Ideal for first-time homebuyers or those with less-than-perfect credit, FHA loans in Houston allow you to buy a home with a low down payment, as little as 3.5%. These loans come with flexible credit requirements and competitive interest rates, making homeownership more accessible.

VA Home Loans

If you’re a veteran or active-duty service member, Houston VA loans offer powerful benefits, including zero down payment, no private mortgage insurance (PMI), and competitive interest rates. This loan program helps you buy a home with less financial strain.

Conventional Home Loans

If you have strong credit and a steady income, conventional loans are a great option. Available for primary residences, second homes, and investment properties, conventional loans feature competitive rates and flexible terms.

Jumbo Loans

For high-value homes in Houston’s luxury market, jumbo loans provide financing for amounts above conforming loan limits. If you’re purchasing a custom home or upscale property, these loans offer competitive rates tailored for qualified buyers.

Non-QM Loans

Designed for borrowers who don’t fit traditional loan criteria, such as self-employed individuals with non-standard income documentation. Non-QM (Non-Qualified Mortgage) loans provide more flexible underwriting while still offering competitive terms.

Rate and Term Refinance Loans

If you want to refinance your existing mortgage to lower your interest rate or adjust the loan term, rate and term refinance loans help you reduce monthly payments or pay off your mortgage sooner without taking cash out.

Cash-Out Refinance Loans

Need access to your home equity? Cash-out refinance loans allow you to refinance your mortgage for more than you owe and take the difference in cash, perfect for home improvements, debt consolidation, or other financial needs.

Investment Property Loans

Houston investors can access mortgage options designed for rental homes and multi-unit properties. Whether you’re buying your first rental or expanding your portfolio, flexible investment loans make financing straightforward and effective.

Frequently Asked Questions

Q: What credit score do I need to qualify?
A: Most Houston home loans require a credit score of 620 or higher, though FHA and specialized loans may accept lower scores.

Q: How much can I borrow for a Houston home?
A: Loan limits vary by program, but jumbo loans can finance homes well above the standard conforming limits.

Q: What’s the difference between loan types?
A: FHA loans offer low down payments and lenient credit requirements, VA loans are for veterans with unique benefits, and conventional loans suit buyers with stronger credit.

Q: Can I refinance my Houston mortgage?
A: Yes, refinancing options are available to lower your monthly payments or access equity.

Young couple meeting with a mortgage broker to discuss Houston home loan options and financing plans.

How to Apply for a Houston Home Loan

Navigating the mortgage process is simple with the right guidance. Begin by getting preapproved, which gives you a clear understanding of your budget and strengthens your home offer. Then you can start shopping for the home of your dreams. From application to underwriting and closing, we will guide you every step of the way, ensuring a smooth and transparent experience.

Couple holding hands with a key after closing on their first home with the Texas Mortgage Pros

Get Started Today, Apply Now!

Ready to take the first step toward owning your Houston home? Our experienced mortgage team is here to provide personalized advice and competitive loan options tailored to your unique situation.

Call us at
(877) 280-4833. Let’s work together to make your homeownership goals a reality.

Testimonials

What Our Clients Say About Us

Cesia and Enrique N.
15:36 17 May 25
Review for Suzette – Our Amazing Loan Officer ✨

Working with Suzette was truly a blessing. From the very beginning, she was the light at the end of the road — always encouraging, always positive, and constantly reminding us that our dream of becoming homeowners was within reach. Her professionalism, patience, and genuine care made such a difference during this process.

There were moments when we felt overwhelmed, but Suzette never let us give up. She kept us motivated, answered every question, and guided us step by step with so much grace and knowledge. We can honestly say this journey wouldn’t have been the same without her.

Thank you, Suzette, for believing in us and helping us make this dream come true. We are forever grateful!

- The Neri’s
Caleb HYPPOLITE J.
14:58 16 May 25
Enjoy the service. It was excellent and staff very profesionnal
William C.
07:04 12 May 25
We had a fantastic experience working with Jason. He helped my wife and I purchase an amazing home and guided us through every step of the process with confidence/ease. Jason was always available to answer our many questions and consistently provided clear, helpful guidance. His responsiveness and deep knowledge made what could have been a stressful process feel smooth and manageable. He also connected us with trusted professionals whenever we needed additional support. We’re truly grateful for his expertise and dedication—thank you, Jason!
Diana O.
15:28 03 May 25
We had a wonderful experience working with Jason. He was supportive and diligent throughout the whole process. As first-time home buyers, he ensured that we got the best deal!
Therese A.
00:20 01 May 25
Big Shoutout to Mr. Jason Turner who helped us close the house within two weeks! Smooth and precise. Shoutout also to Ms. Darla. We highly recommend Texas Mortgage Pros.

Richard and Gracezielle
Margo R.
19:29 25 Apr 25
Huge shout out to Jason and Darla. They are both so communicative and helpful throughout the mortgage process, which I appreciate especially as a first time home buyer. I cannot tell you how many times I texted/emailed with questions and they were both so prompt with getting back to me. The website is also very easy to use for the initial application, and you get email/text updates every time there is an update to your loan application/the process.

If you value communication and someone helpful to guide/assist you through the mortgage process - especially if you are a first time home buyer - I highly recommend Texas Mortgage Pros, specifically Jason and Darla!!
Breon W.
22:52 19 Apr 25
I want to take a moment to express my sincere gratitude for the outstanding customer service provided by Jason Turner. His extensive knowledge and willingness to help were truly remarkable. Jason went above and beyond to assist me in successfully purchasing my dream home, and his support really made a difference for me. I feel fortunate to have had him by my side throughout this journey.
Ronald A.
17:09 08 Apr 25
10 Stars to Jason Turner and his team at Texas Mortgage Pros! Jason was very helpful and straightforward in explaining the process from start to finish. He was prompt to answer all our queries and concern. Everything was well explained that made our decision to go with Mortgage Pros a breeze. The process was definitely scary at the beginning, changing a lender company just few weeks from closing our house, but Jason helped us lower our closing cost and was able to broker a lender with lower interest rates which every home owner needs. Jason and his team really did a great job! They deserve 10 gold stars!!!

From Alcalde Family, we appreciate you Jason and the rest of your team. 🙂
Kelli Y.
20:11 06 Apr 25
These guys were recommended from realtors. They went above and beyond and even answered questions for us outside of normal business hours. Very smooth process. If the need ever arises for a mortgage broker again we will definitely be using Jason and his team. I would also recommend them to anyone who needs a broker.
Traci P.
14:46 31 Mar 25
Jason was incredibly helpful and patient throughout the entire process. He went above and beyond to work around my schedule, making everything so much easier. Highly recommend his services!

Find Us in Houston, TX

The Texas Mortgage Pros is proud to serve homebuyers across the city and surrounding areas. Whether you’re just starting the loan process or need expert advice, our local team is here to help with personal guidance, fast service, and competitive loan options for Houston’s real estate market.

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