Houston Mortgage Broker | Home Loans in Houston, TX
Looking for a mortgage broker in Houston? Guarantee Mortgage helps homebuyers across Harris County—from Montrose to West University Place to the Energy Corridor—secure competitive rates and close fast. Most of our Houston loans close in 21 days or less, even in this fast-moving market.
We’re a Texas-based broker, not a big 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 buying a starter home in Spring Branch, a luxury property in River Oaks, or an investment property in the Heights, we’ll match you with the right program.
Houston Housing Market Snapshot
Houston remains one of the most diverse housing markets in Texas, with options ranging from urban condos to sprawling suburban homes—and price points for nearly every budget.
- Median Home Price: $261,052 (November 2025)
- County: Harris County
- Market Trend: High inventory compared to other Texas metros, giving buyers more negotiating power
- Popular Neighborhoods: Montrose, West University Place, The Heights, River Oaks, Memorial, Energy Corridor
- Why Buyers Choose Houston: Strong job market, no state income tax, diverse neighborhoods, and some of the best DPA programs in Texas
Loan Programs Available in Houston
We offer every major loan type for Houston 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 areas outside Loop 610 |
| Jumbo | Loan amounts above $832,750—common in River Oaks, Memorial, West U |
| Refinance | Lower your rate, shorten your term, or tap equity |
Why Houston Homebuyers Choose Guarantee Mortgage
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Houston Market Knowledge: We know the neighborhoods—from Memorial to Montrose, Katy to Kingwood.
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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 in Houston’s competitive 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.
Houston & Harris County Down Payment Assistance Programs
Houston has some of the best down payment assistance programs in Texas. Here’s what’s available:
City of Houston Homebuyer Assistance Program
Up to $50,000 for first-time buyers purchasing within Houston city limits. Forgivable loan—no repayment if you stay 5 years. Requires HUD-approved homebuyer education course.
Harris County Down Payment Assistance (DAP)
Up to $23,800 for first-time buyers in Harris County (outside Houston city limits). Covers down payment, closing costs, and includes a 3-year home warranty. Forgivable after 5 years.
Texas State Programs
Up to 5% of your loan amount for down payment and closing costs. Can be combined with local programs.
Homes for Texas Heroes (TSAHC)
Grants (free money, not a loan) for teachers, firefighters, EMS, police, corrections officers, and veterans.
We help Houston buyers stack multiple programs when eligible—some buyers qualify for $50K+ in total assistance. Get pre-qualified and we’ll identify everything you qualify for.
Houston Mortgage FAQs
What credit score do I need to buy a home in Houston?
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. City of Houston DPA requires completion of a homebuyer course but has flexible credit requirements.
How much is a down payment on a house in Houston?
With Houston’s median price around $261K: FHA (3.5%) = ~$9,100. Conventional (5%) = ~$13,000. VA and USDA offer zero down. Houston’s DPA programs can cover most or all of this—the City of Houston offers up to $50K alone.
What are closing costs in Houston, TX?
Typically 2-4% of the loan amount. On a $261K home, expect $5,200-$10,400. This covers lender fees, title insurance, appraisal, escrow, and prepaid taxes/insurance. Both City of Houston and Harris County DPA programs can help cover these costs.
How long does it take to close on a house in Houston?
Industry average is 30-45 days. We average 21 days. In Houston’s competitive market, faster closings can make the difference between winning and losing a deal.
What down payment assistance is available in Houston?
Houston has excellent options. City of Houston offers up to $50K. Harris County offers up to $23,800. State programs (TDHCA, TSAHC) add another 5% or more. We help you stack programs when eligible.
Do you offer VA loans in Houston?
Yes. VA loans are 30-35% of our business. Zero down, no PMI, competitive rates. Houston has a large veteran population, and we work with VA buyers throughout Harris County and surrounding areas.
Ready to Buy a Home in Houston?
Get pre-qualified in minutes. We’ll show you what you can afford, which DPA programs you qualify for, and how to compete in Houston’s market.
Or call us: (979) 977-3900
