Fulshear Mortgage Broker | Home Loans in Fulshear, TX
Looking for a mortgage broker in Fulshear? Guarantee Mortgage helps homebuyers throughout Fulshear and Fort Bend County—from Cross Creek Ranch to Weston Lakes and everywhere in between. 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. Fulshear has become one of Houston’s most desirable suburbs—top-rated Lamar CISD schools, master-planned communities with resort-style amenities, and easy access to Katy, the Energy Corridor, and downtown Houston via Grand Parkway 99 and Westpark Tollway.
Fulshear Housing Market Snapshot
Fulshear continues to attract buyers seeking newer construction, master-planned communities, and highly-rated schools in Fort Bend County.
- Median Home Price: $510,000 (December 2025)
- County: Fort Bend County
- School District: Lamar CISD (95%+ graduation rate, ranked among top districts in Texas)
- Market Trend: Neutral market with strong inventory—buyers have negotiating power and 60%+ of homes selling below asking
- Popular Communities: Cross Creek Ranch, Fulbrook on Fulshear Creek, Jordan Ranch, Weston Lakes, Vanbrooke, Pecan Ridge
- Why Buyers Choose Fulshear: Master-planned amenities, new construction, Lamar CISD schools, and proximity to Katy and the Energy Corridor
Loan Programs Available in Fulshear
We offer every major loan type for Fulshear homebuyers:
| Loan Type | Best For |
|---|---|
| Jumbo | Loan amounts above $832,750—common in Cross Creek Ranch, Weston Lakes, and luxury new builds throughout Fulshear |
| 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—works for entry-level Fulshear homes |
| VA | Veterans and active military, zero down, no PMI—including VA Jumbo for higher-priced homes |
| Bank Statement | Self-employed buyers who can’t document income traditionally—qualify using 12-24 months of bank statements |
| Refinance | Lower your rate, shorten your term, or tap equity |
Why Fulshear Homebuyers Choose Guarantee Mortgage
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Fort Bend County Expertise: We know Fulshear’s master-planned communities and can guide you through new construction and resale purchases alike.
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Jumbo Loan Specialists: Many Fulshear homes exceed conforming limits. We have multiple Jumbo lenders with competitive rates.
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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—critical when competing for new construction lots or move-in-ready inventory.
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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.
Fulshear, TX Down Payment Assistance Programs
Here’s what Fulshear buyers need to know about down payment assistance:
Reality Check: Fulshear’s Price Points
With a median home price around $510K, Fulshear’s market is above most DPA program purchase price limits. Down payment assistance works best for entry-level homes or buyers who qualify for state programs with higher limits.
Local Program
Fort Bend County Housing Finance Corporation
$5,000 toward down payment and closing costs. First-come, first-served (limited to 60 buyers). Income limit: 120% of area median income. Must complete homebuyer education.
Texas State Programs
Up to 5% of your loan amount for down payment and closing costs. Higher purchase price limits in the Houston metro area.
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.
For many Fulshear buyers, the best path is 3% down conventional for first-time buyers or 10-20% down Jumbo. Get pre-qualified and we’ll map out your best options.
Fulshear Mortgage FAQs
What credit score do I need to buy a home in Fulshear?
It depends on the loan. FHA allows 580+ with 3.5% down. Conventional typically requires 620+. Jumbo loans—common in Fulshear—usually require 700+ for the best rates and terms.
How much is a down payment on a house in Fulshear?
With Fulshear’s median price around $510K: Conventional (3% for first-time buyers) = ~$15,300. Conventional (5%) = ~$25,500. VA offers zero down. For homes above $832,750, Jumbo loans typically require 10-20% down.
What are closing costs in Fulshear, TX?
Typically 2-4% of the loan amount. On a $510K home, expect $10,200-$20,400. This covers lender fees, title insurance, appraisal, escrow, and prepaid taxes/insurance. State programs can help offset these costs for qualifying buyers.
How long does it take to close on a house in Fulshear?
Industry average is 30-45 days. We average 21 days—even on Jumbo loans and new construction, which typically take longer elsewhere. In Fulshear’s competitive new-build market, faster closings help secure inventory homes.
Do I need a Jumbo loan in Fulshear?
If you’re borrowing more than $832,750, yes. Many homes in Cross Creek Ranch, Weston Lakes, and Fulbrook on Fulshear Creek exceed this threshold. We have multiple Jumbo lenders with competitive rates.
Do you offer VA loans in Fulshear?
Absolutely. VA loans are a major part of our business. Zero down, no PMI, competitive rates. We also offer VA Jumbo for veterans buying higher-priced Fulshear homes above the conforming limit.
Ready to Buy a Home in Fulshear?
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
