Conroe Mortgage Broker | Home Loans in Conroe, TX
Looking for a mortgage broker in Conroe? Guarantee Mortgage helps homebuyers throughout Conroe and Montgomery County—from Grand Central Park to the lakefront communities around Lake Conroe. We close most loans in 21 days or less.
We’re a Texas-based broker, not a big bank. We shop your loan across 20+ wholesale lenders to find the lowest rate and best terms for your situation. Conroe offers strong value compared to The Woodlands while still providing access to top Montgomery County amenities and employment centers.
Conroe Housing Market Snapshot
Conroe continues to attract buyers looking for more space and value in Montgomery County—with access to Lake Conroe recreation and a growing local economy.
- Median Home Price: $311,069 (December 2025)
- County: Montgomery County
- Market Trend: Growing suburban market with strong new construction activity and improving infrastructure
- Popular Neighborhoods: Grand Central Park, Water Crest on Lake Conroe, River Plantation, April Sound, Longmire Estates, Wedgewood
- Why Buyers Choose Conroe: More affordable than The Woodlands, lake access, Conroe ISD schools, and rapid job growth in the area
Loan Programs Available in Conroe
We offer every major loan type for Conroe homebuyers:
| Loan Type | Best For |
|---|---|
| Conventional | 620+ credit, as little as 3% down for first-time buyers, best rates for strong borrowers |
| FHA | 580+ credit, 3.5% down, flexible qualifying—popular with Conroe first-time buyers |
| VA | Veterans and active military, zero down, no PMI |
| USDA | Zero down for eligible rural areas around Conroe—check specific address eligibility |
| Jumbo | Loan amounts above $832,750—common for lakefront and luxury properties |
| Refinance | Lower your rate, shorten your term, or tap equity |
Why Conroe Homebuyers Choose Guarantee Mortgage
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Montgomery County Expertise: We know Conroe’s neighborhoods—from lakefront communities to new master-planned developments.
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More Options: We shop 20+ lenders. You get the best rate, not the only rate.
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Fast Closings: 21-day average—important in Conroe’s active new construction market.
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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: $1B+ funded since 2020. See our reviews.
Conroe Down Payment Assistance Programs
Here’s what Conroe buyers need to know about down payment assistance:
Important Note on Montgomery County’s Home Fund Program
The Montgomery County Home Fund Program (up to $12,600) is only available for homes outside Conroe city limits. If you’re buying within Conroe city limits, you’ll need to rely on state programs instead.
Texas State Programs (Available in Conroe)
Up to 5% of your loan amount for down payment and closing costs. Available anywhere in Conroe.
Homes for Texas Heroes (TSAHC)
Grants (free money, not a loan) for teachers, firefighters, EMS, police, corrections officers, and veterans.
Up to 5% assistance as a forgivable second loan (forgiven after 3 years). Works with FHA, VA, USDA, or conventional loans.
Even without local DPA, first-time buyers can put as little as 3% down on a conventional loan. Get pre-qualified and we’ll identify all the programs you qualify for.
Conroe Mortgage FAQs
What credit score do I need to buy a home in Conroe?
Most loan programs require a minimum 580-620 credit score. FHA loans allow scores as low as 580 with 3.5% down. Conventional loans typically need 620+. VA loans have no official minimum, but most lenders prefer 580+. We can review your situation and find the best fit.
How much is a down payment on a house in Conroe?
With Conroe’s median price around $311K: Conventional (3% for first-time buyers) = ~$9,300. FHA (3.5%) = ~$10,900. Conventional (5%) = ~$15,500. VA and USDA offer zero down for eligible buyers.
What are closing costs in Conroe, TX?
Typically 2-4% of the loan amount. On a $311K home, expect $6,200-$12,400. This covers lender fees, title insurance, appraisal, escrow, and prepaid taxes/insurance. State DPA programs like TDHCA can help cover these costs.
How long does it take to close on a house in Conroe?
Industry average is 30-45 days. We average 21 days. Conroe has a lot of new construction, and we’re experienced with builder timelines and processes.
What down payment assistance is available in Conroe?
The Montgomery County Home Fund Program ($12,600) only works outside Conroe city limits. Inside city limits, you’ll use Texas state programs: TDHCA (up to 5%), TSAHC (grants for heroes), or SETH 5 Star (up to 5%, forgivable). We’ll help you find the right fit.
Do you offer VA loans in Conroe?
Absolutely. VA loans are a major part of our business. Zero down, no PMI, competitive rates. We work with veterans throughout Conroe and Montgomery County.
Ready to Buy a Home in Conroe?
Get pre-qualified in minutes. Our team is ready to help you find the right loan for your situation.
Or call us: (979) 977-3900
