Baytown Mortgage Broker | Home Loans in Baytown, TX
Looking for a mortgage broker in Baytown? Guarantee Mortgage helps homebuyers throughout Baytown and eastern Harris County compare loan options from multiple lenders. Whether you’re buying in Old Baytown, Highland Farms, or Eastpoint, we’ll match you with the right loan.
We’re a Texas-based broker with an office in nearby Mont Belvieu, so we know this market. Unlike big banks with one-size-fits-all loans, we compare options from multiple lenders to find a loan that fits your situation.
Baytown Housing Market Snapshot
Baytown offers affordable homeownership with easy access to Houston-area jobs—making it a strong choice for first-time buyers, growing families, and refinery/petrochemical workers.
- Median Home Price: $241,959 (November 2025)
- County: Harris County
- Market Trend: Affordable prices with steady appreciation—buyers get more space for the money here than inner-loop Houston
- Popular Neighborhoods: Old Baytown, Highland Farms, Eastpoint, Wooster, Roseland
- Why Buyers Choose Baytown: Proximity to ExxonMobil, Chevron Phillips, and other major employers along the Houston Ship Channel
Loan Programs Available in Baytown
We offer every major loan type for Baytown homebuyers:
| Loan Type | Best For |
|---|---|
| Conventional | 620+ credit, low down payment options for first-time buyers |
| FHA | 580+ credit, low down payment options, flexible qualifying |
| VA | Veterans and active military, no PMI. VA and USDA options may not require a down payment for eligible borrowers. |
| USDA | May not require a down payment for eligible borrowers and properties in USDA-eligible areas. |
| Jumbo | Loan amounts above $832,750 for higher-priced properties |
| Refinance | Lower your rate, shorten your term, or tap equity |
Why Baytown Homebuyers Choose Guarantee Mortgage
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Local Office Nearby: Our Mont Belvieu location is just minutes away—we know Baytown.
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More Options: We compare loan options from multiple lenders, not just one bank.
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Closing Timeline: Depends on the loan type, appraisal and title work. We give you an estimate when you apply.
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Real People: You work with a licensed loan officer, not a chatbot or call center.
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Proven Track Record: $1.1B+ in Texas home loans we have helped fund since 2014 (per company records as of Oct 2026). See our reviews.
Baytown Down Payment Assistance Programs
Good news for Baytown buyers: the city has its own down payment assistance program, plus you can stack state programs on top.
City of Baytown First Time Homebuyer Assistance Program
Up to 5% of the home’s sales price for down payment and closing costs. First-time buyers only (haven’t owned in 3 years). Home must be within Baytown city limits. Income limits apply.
Note: Baytown is excluded from the Harris County DAP program—but the city’s own program fills that gap.
Texas State Programs
Up to 5% of your loan amount for down payment and closing costs. Can be combined with the City of Baytown program.
Homes for Texas Heroes (TSAHC)
Grants (free money, not a loan) for teachers, firefighters, EMS, police, corrections officers, and veterans.
We help Baytown buyers stack city and state programs when eligible. Get pre-qualified and we’ll identify everything you qualify for.
Baytown Mortgage FAQs
What credit score do I need to buy a home in Baytown?
It depends on the loan. FHA allows 580+ with low down payment options. Conventional typically requires 620+. VA has no minimum, but most lenders want 580-620.
How much is a down payment on a house in Baytown?
It depends on the loan program and the price of the home. FHA and conventional loans have low down payment options, and the City of Baytown offers down payment assistance for eligible buyers. VA and USDA options may not require a down payment for eligible borrowers. We’ll walk you through your options.
What are closing costs in Baytown, TX?
Typically 2-4% of the loan amount. On a $242K home, expect $4,800-$9,600. This covers lender fees, title insurance, appraisal, escrow, and prepaid taxes/insurance. The City of Baytown DPA program can help cover these costs.
How long does it take to close on a house in Baytown?
Timing depends on the loan type, appraisal, title work and how quickly documents come in. Our Mont Belvieu office is nearby, and we keep you and your agent updated.
What down payment assistance is available in Baytown?
The City of Baytown offers up to 5% of the sales price for first-time buyers. State programs (TDHCA, TSAHC) add another 5% or more. Note: Baytown is excluded from the Harris County DAP, but the city program covers you.
Do you offer VA loans in Baytown?
Absolutely. VA loans are a major part of our business. VA and USDA options may not require a down payment for eligible borrowers. VA loans also have no PMI. We work with veterans throughout Baytown and the surrounding area.
Ready to Buy a Home in Baytown?
Get pre-qualified in minutes. We’ll show you what you can afford, which DPA programs you qualify for, and how to compete in Baytown’s market.
Or call us: (979) 977-3900
