Bryan Mortgage Broker | Home Loans in Bryan, TX
Looking for a mortgage broker in Bryan, TX? Guarantee Mortgage helps homebuyers across Brazos County—from Austin’s Colony to Copperfield to Tiffany Park—secure competitive rates and close fast. Most of our Bryan loans close in 21 days or less.
We’re a Texas-based broker, not a bank. That means we shop your loan across 20+ wholesale lenders to find the lowest rate and best terms for your situation. Whether you’re a first-time buyer, a veteran using your VA benefit, or upgrading to a bigger home, we’ll match you with the right program.
Bryan Housing Market Snapshot
Bryan offers some of the most affordable home prices in the Brazos Valley, with strong demand from Texas A&M employees, young families, and first-time buyers.
- Median Home Price: $267,736 (November 2025)
- County: Brazos County
- Market Trend: Prices stable, inventory improving for buyers
- Popular Neighborhoods: Austin’s Colony, Copperfield, Tiffany Park, Willow Ridge
- Why Buyers Choose Bryan: Lower prices than College Station, easy access to Texas A&M and Blinn College
Loan Programs Available in Bryan
We offer every major loan type for Bryan homebuyers:
| Loan Type | Best For |
|---|---|
| Conventional | 620+ credit, as little as 3% down for first-time buyers |
| FHA | 580+ credit, 3.5% down, flexible qualifying |
| VA | Veterans and active military, zero down, no PMI |
| USDA | Zero down for eligible rural areas around Bryan |
| Jumbo | Loan amounts above $832,750 |
| Refinance | Lower your rate, shorten your term, or tap equity |
Why Bryan Homebuyers Choose Guarantee Mortgage
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Local Expertise: We understand the Bryan–College Station market and neighborhood trends.
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More Loan Options: Access to 20+ wholesale lenders, not just one bank.
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Fast Closings: Average closing time of 21 days.
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Real People: Work directly with a licensed loan officer, not a call center.
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5-Star Reviews: 5-star Google reviews from Texas homebuyers.
Bryan, TX Down Payment Assistance Programs
City of Bryan Down Payment Assistance
Up to $14,000 toward down payment and closing costs for first-time buyers purchasing within Bryan city limits. This is a 0% interest deferred loan—no monthly payments, forgiven after 5 years of owner occupancy. Requires 640+ credit, income below 80% of area median, and completion of a HUD housing counseling course.
Texas State Programs
Up to 5% of your loan amount for down payment and closing costs. Can be combined with the Bryan city program.
Homes for Texas Heroes (TSAHC)
Grants (free money, not a loan) for teachers, firefighters, EMS, police, corrections officers, and veterans.
We help Bryan buyers stack multiple programs when eligible. Get pre-qualified and we’ll identify everything you qualify for.
Bryan Mortgage FAQs
What credit score do I need to buy a home in Bryan?
It depends on the loan. FHA allows 580+ with 3.5% down. Conventional typically requires 620+. VA has no minimum, but most lenders want 580-620. The City of Bryan DPA program requires 640+.
How much do I need for a down payment in Bryan?
With Bryan’s median price around $268K: FHA (3.5%) = ~$9,400. Conventional (5%) = ~$13,400. VA and USDA offer zero down. DPA programs can cover most or all of this.
What are closing costs in Bryan, TX?
Typically 2-4% of the loan amount. On a $268K home, expect $5,400-$10,700. This covers lender fees, title insurance, appraisal, escrow, and prepaid taxes/insurance. Sellers can contribute, and DPA programs often help here too.
How long does it take to close on a house in Bryan?
Industry average is 30-45 days. We average 21 days. Timeline depends on loan type, appraisal turnaround, and how fast you submit documents.
What down payment assistance is available in Bryan?
The City of Bryan offers up to $14,000 for qualifying first-time buyers. State programs (TDHCA, TSAHC) add another 5% or more. We help you stack programs when possible.
Do you offer VA loans in Bryan?
Yes. VA loans are 30-35% of our business. Zero down, no PMI, competitive rates. If you have VA eligibility, this is usually your best option.
Ready to Buy a Home in Bryan?
Get pre-qualified in minutes. We’ll show you what you can afford, which programs you qualify for, and how to get the best rate.
Or call us: (979) 977-3900
