The Texas Mortgage Pros – Effective VA Home Loans, Cash Out Refinance & Home Loan Consultants In Rayford, TX

Conventional Rates

4.125 %

4.210 %APR


Low Fixed Rates For 30 Years

FHA Rates

3.625 %

3.798 %APR


Minimum of 3.5% Down

VA Rates

3.625 %

3.721 %APR


100% VA Loan With No Private Mortgage Insurance

USDA Rates

3.875 %

4.101 %APR


100% Financing In Rural Areas

"Rates, terms, and fees as of 07/14/2020 and subject to change without notice."

Dedicated Mortgage Broker in Rayford

We have loan specialists and loan processors that streamline the lending process. It is as easy as 1, 2, 3!
  • 1st – Preliminary Assessment – Let’s see if you’re qualified.
  • 2nd – Appraisal Report – Let’s find out the value.
  • 3rd – Approval and Closing – We can close your file in 30 days or less!

How much can you qualify for?
Right here and now you can find out how much you qualify for in 10 minutes or less!
  • See exactly how much you can qualify for instantly!
  • Work with our award-winning team of local Loan Specialists.
  • Let us help you close your loan in 30 days or less.
“I was worried about loan process time and approvals, but everything was explained to me with professionalism and ease.” – Ericka L. – 2015

daily mortgage news courtesy of the texas mortgage pros
National Mortgage NEWS
Get up-to-date information on mortgage and real estate news including mortgage rates, processing, and refinancing.
  • Latest U.S. Mortgage News
  • Mortgage Rates are Updated Daily
  • Complete Consumer Mortgage News

Getting Prequalified just got a lot easier
In just a few minutes you can lock in your mortgage rate right now!
  • We provide the lowest, most current mortgage rates available.
  • Work with the BEST lending company in the Greater Houston Area.
  • Discover simple, affordable, and effective tools to help you secure a mortgage.
“I just wanted to say thank you for your help walking me through the process of purchasing my home. I closed today and everything was great. I really appreciate your work and effort in informing me about the process and helping me become a first-time homeowner.” – Will W. Client – 2015
Man using the best mortgage lender in houston texas

Real Clients. Real Stories. Real Results.

Our goal is to provide you with the best customer service possible.

  • home loans by The Texas Mortgage Pros
    Aldin A.

    Highly recommendable! I worked with Gerry Nicodemus for refinancing my home. Gerry was a thorough professional …View more »

  • apply for loans by The Texas Mortgage Pros
    Shareem Williams

    Mr. Nicodemus is truly one of the best in the mortgage industry. He is well versed and extremely knowledgeable regarding… View more »

  • apply for a mortgage with The Texas Mortgage Pros
    Javier P.

    Mr. Nicodemus is someone to trust, I had the pleasure to meet him. He is great as a Consultant and as a person that really … View more »

  • Texas Mortgage home loan programs
    Kyle B.

    As a Real Estate Broker, I know nothing impacts a buyer’s transaction more than the loan process. I recently closed a very difficult… View more »

  •  Top Mortgage Lender in Texas
    Christina & Aaron Francis

    We just wanted to say thanks again for all your help with everything. We closed and are now proud homeowners! The title company… View more »

The Best Mortgage Lenders In Rayford, Texas

The Texas Mortgage Pros team consists of the best mortgage lenders in Texas. We are committed to providing our Brownsville, Texas clients with the highest quality service for your mortgage needs. Combined with the lowest rates and multiple loan programs available in Texas, makes The Texas Mortgage Pros one of the best Rayford mortgage companies – Spring, San Antonio, Tomball, The Woodlands, Amarillo, Dallas, Austin, El Paso, Corpus Christi, Fort Worth, Midland, Arlington, Plano, Odessa, and Houston, Texas. Our outstanding mortgage professionals with years of experience will work with you one-on-one to ensure that you get the home loan that is tailored specifically to meet your situation and expectation. Whether you are purchasing your dream home, first home, refinancing an existing loan, or consolidating debt, our highly experienced team of loan officers can help you find the right loan program at the lowest rate possible. Finding the best mortgage companies in Rayford, Texas doesn’t have to be difficult. Our ultimate goal is to create a lasting relationship with each of our clients that we may continue to provide excellent service for many years to come. Unlike many of the larger nationwide mortgage companies that are out there, all your information will be kept secure and private. Our name is trusted throughout the lending community.

What The Texas Mortgage Pros Specializes in:

To speak directly with an experienced mortgage professional, simply give us a call anytime or feel free to utilize any of the interactive tools offered throughout the site. We look forward to working with you.

Get Pre-Approved In Less Than 8 Minutes



The US government has put a lot of work into ensuring that its citizens have easy access to home-ownership. This is thanks to their numerous subsidy or sponsored mortgage loans. However, still, finding the right mortgage for every individual and or family can still prove to be difficult because there is usually such a long process to be followed. You first have to pick the area in which you would love your home to be located in, and then you have to find an approved mortgage lender who will in-turn find you a suitable mortgage loan for you that fits into your budget and financial plan, you then have to get pre-approved before your loan is considered and you finally get your mortgage. However, working with a mortgage lender like the Texas Mortgage Pros eases the whole process for you because once you choose the as your mortgage lender. They take care of everything else for you. The following are the benefits you get from working with the Texas Mortgage Pros:

  • They give you multiple loan alternatives

The Texas Mortgage Pros offer a wide variety of mortgage products which usually range from government-backed loans to private mortgages. The government-backed loans are guaranteed by the government in the scenario that a borrower defaults from payment while the private mortgages are insured privately by the company itself should a borrower default. They offer FHA loans, which are government-backed loans. They are offered by Texas Mortgage Pros at very low down payment and interest rates. They give gift funds for the down payment made and allow borrowers with high debt-to-income ratio to qualify. They also offer private jumbo loans, both conforming and non-conforming. It is therefore up to the clients to choose which loan alternative suits them best.

  • They have great terms and even better rates

All of the many loans they offer are offered with incredible terms. They are able to finance up to 95% of your mortgage, leaving you to only carter for a 5% down payment. Aside from this, they also offer certain Gift funds on the down payment. Aside from these, their interest rates are also very favorably low and with very comfortable terms of payment.

  • They get you approved

Your chances of getting approved for a mortgage are higher with some mortgage lenders than others. However, one of the biggest benefits of working with the Texas Mortgage Pros is the fact that they guarantee you an approval for a mortgage loan of up to three million.

  • They help with mortgage refinance

They do not just offer mortgage loans. They offer a variety of mortgage refinance loans as well for those who would like to take advantage of better interest rates or change their terms of payment or get a cash-up on their mortgage. The Texas Mortgage Pros offer all of these alternatives.

These are some of the benefits you get from working with the Texas Mortgage Pros.

We service the following zip codes and surrounding areas:
77014, 77032, 77038, 77060, 77064, 77065, 77066, 77067, 77068, 77069, 77070, 77073, 77086, 77090, 77301, 77302, 77304, 77305, 77306, 77316, 77325, 77337, 77338, 77339, 77345, 77346, 77347, 77354, 77357, 77365, 77373, 77375, 77377, 77379, 77380, 77381, 77382, 77383, 77384, 77385, 77386, 77387, 77388, 77389, 77391, 77393, 77396, 77429, Spring TX, Conroe TX, Houston TX, Porter TX, Humble TX, Hufsmith TX, Tomball TX, Magnolia TX, New Caney TX, Cypress TX, Montgomery TX


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