List of Mortgage Brokers in Texas
Are you in search of a mortgage broker in Texas? If that's the case, you’ll likely want to explore a detailed list of all mortgage brokers across the state, categorized by city. This way, you can easily discover options tailored to your location and determine which brokers specialize in various types of mortgages.
List of Mortgage Brokers in Texas
Here is a list of mortgage brokers in Texas, organized by city. Use it to easily find local professionals who can assist you with your mortgage needs.
Mortgage Broker | City | NMLS # | Types of Mortgages in Texas | Google Review |
Houston | 1955088 |
| 5.0 | |
Houston | 1889921 |
| 4.7 | |
Houston | 831347 |
| 4.0 | |
Houston | 2393595 |
| 5.0 | |
Humble | 328705 |
| 4.4 | |
Humble | 1776397 |
| 4.9 | |
Humble | 1011115 | / | 3.9 | |
Sugar Land | 331765 | / | 5.0 | |
Austin | 902610 |
| / | |
Pflugerville | 1754051 |
| 5.0 | |
Denison | 1213264 |
| 5.0 | |
Dallas | 280613 |
| / | |
Dallas | 937979 |
| 5.0 | |
Dallas | 2365559 |
| 5.0 | |
Avula Property Solutions LLC | The Colony | 1823711 | / | / |
Longview | 233918 | / | 4.9 | |
Arlington | 1092638 |
| / | |
Arlington | 495446 |
| 4.9 | |
Kyle | 1188579 |
| 4.9 | |
Lakeway | 863313 |
| 5.0 | |
San Antonio | 326439 | / | 5.0 | |
San Antonio | 1889840 | / | 4.9 | |
Victoria | 847197 | / | 5.0 | |
Belton | 1196984 |
| 5.0 | |
Plano | 148535 |
| 5.0 | |
Plano | 292785 |
| 5.0 | |
Flower Mound | 1917359 | / | 5.0 | |
Fulshear | 254066 | / | 4.9 | |
The Woodlands | 1314369 |
| 5.0 | |
Victory Home Loans | Granbury | 76880 | / | 5.0 |
Spring | 1808045 |
| 5.0 | |
Grand Prairie | 743519 |
| 5.0 | |
Celina | 357809 | / | 4.1 | |
Frisco | 1141003 |
| 5.0 | |
Normangee | 1940782 |
| 5.0 | |
Prosper | 299277 |
| 4.9 | |
Dripping Springs | 1695269 |
| / | |
Coppell | 1457759 | / | 4.9 | |
Keller | 1957808 | / | 4.8 | |
San Antonio | 1316848 |
| 4.8 | |
Fort Worth | 2028523 | / | 5.0 | |
Mont Belvieu | 1808043 |
| 5.0 | |
League City | 254923 |
| 5.0 | |
El Paso | 225547 |
| 5.0 | |
Irving | 271004 |
| 5.0 |
Types of Texas Mortgage Loans
Choosing the right mortgage loan can make all the difference when buying or refinancing a home in Texas. With a variety of options available, including Conventional, FHA, VA, and USDA loans, each type offers unique benefits and requirements.
Texas Conventional Loans
Here’s a table summarizing the benefits and features of Conventional Loans in Texas. This table provides a clear and concise overview of the key aspects of Conventional Loans.
Type of Loan | Conventional Loans |
Loan Limit | Up to $548,250 (set by the Federal Housing Finance Agency) |
Minimum Down Payment | 3% |
Credit Score Requirements | Lenient, provided no major negative credit (e.g., foreclosures, bankruptcies) |
Buying Power | Greater compared to FHA loans |
Debt To Income Ratio (DTI) | Up to 45% |
Loan Limit in Montgomery County | Up to $548,250 |
Texas FHA Loans
Here's a table summarizing the benefits and features of FHA Loans in Texas. This table highlights the key aspects of FHA Loans and their benefits for Texas homebuyers.
Type of Loan | FHA Loans |
Minimum Down Payment | 3.5% |
Minimum Credit Score | 580 |
Ideal for Home Prices | Homes priced at $331,200 or less |
Debt To Income Ratio (DTI) | Up to 57% |
Texas VA Loans
Here’s a table summarizing the benefits and features of VA Loans in Texas. This table provides a concise overview of the key aspects and benefits of VA Loans in Texas.
Type of Loan | VA Loans |
Down Payment | None required |
Mortgage Insurance | Not required |
Government Guarantee | Yes, the loan is government-backed, even if you cannot pay it back |
Credit Score Requirements | Easier to qualify with a lower credit score due to the government guarantee |
Closing Costs | Often lower than other mortgage loans |
Texas USDA Loans
Here's a table summarizing the benefits and features of USDA Loans in Texas. This table highlights the key aspects and benefits of USDA Loans for Texas homebuyers.
Type of Loan | USDA Loans |
Down Payment | None required |
Minimum Credit Score | 640 |
Ideal for | Home buyers in less dense, more rural areas |
Qualifying Guidelines | Flexible |
Interest Rate | Low fixed interest rate |
Building a Home | Allows for construction of a new home |
Benefits of Using a Mortgage Broker in Texas
Mortgages can be overwhelming and confusing, especially since you only deal with them a few times in your life. But you don’t have to navigate it alone. Brokers are there to help you understand each step of the process, making it clear and leaving you feeling confident and informed.
What Can a Mortgage Broker Do for Me
Mortgage broker meets with borrowers to understand their needs, review their financial situation, and explain the mortgage loan process.
Mortgage broker analyze loan options from various lenders to find the best choice for borrowers looking to buy or refinance their homes.
Brokers represent borrowers and negotiate with mortgage lenders to secure the most competitive interest rates and pricing.
Brokers assist borrowers in applying for a loan by obtaining credit reports, verifying financial details, and handling all the required paperwork.
Brokers coordinate with underwriters and lenders to ensure that loans are closed promptly.
How Can I Apply for a Mortgage in Texas
Applying for a mortgage in Texas is a key step toward homeownership. Understanding the process—from gathering documents to exploring loan options—can make the journey smoother. These steps will help you navigate the essential steps for securing a mortgage with Kredium assistance with confidence.
Steps | Details |
Initial Meeting | Your mortgage broker will assess your financial situation and get to know you. |
Documents Required | Proof of income, employment, assets, debts, and credit history. |
Preparation Tips | Ensure solid financials and gather all necessary documents to facilitate the process. |
Loan Amount | You can borrow $200,000 or more. |
Location | If buying a home in Houston, be prepared with the specific requirements for that area. |
How Kredium Helps You
Kredium is dedicated to finding the best deals for clients and offers access to various mortgage and loan options. Available 24/7, Kredium mortgage brokers are always ready to answer questions and provide support. We work closely with clients to secure the most advantageous mortgage terms possible.
Photo credits | Pexels
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