Katy Mortgage Broker | Home Loans in Katy, TX
Looking for a mortgage broker in Katy? Guarantee Mortgage helps homebuyers throughout the Katy area—whether you’re in Cinco Ranch, Seven Meadows, Elyson, or one of the many master-planned communities that make Katy one of Houston’s most popular suburbs. We compare loan options from multiple lenders.
We’re a Texas-based broker, not a big bank. We compare options from multiple lenders to find a loan that fits your situation. Katy spans three counties (Harris, Fort Bend, and Waller), which means different down payment assistance programs may apply depending on where you buy—we’ll help you navigate that.
Katy Housing Market Snapshot
Katy remains one of the most sought-after suburbs in the Houston metro, known for top-rated Katy ISD schools, master-planned communities, and easy access to the Energy Corridor.
- Median Home Price: $336,849 (November 2025)
- Counties: Harris, Fort Bend, and Waller (Katy spans all three)
- Market Trend: Competitive family market with strong resale values—Katy ISD drives demand
- Popular Neighborhoods: Cinco Ranch, Seven Meadows, Elyson, Cross Creek Ranch, Cane Island, Firethorne
- Why Buyers Choose Katy: Top-rated schools, newer construction, easy commute to Energy Corridor and downtown Houston
Loan Programs Available in Katy
We offer every major loan type for Katy 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—common in Cinco Ranch and newer builds |
| Refinance | Lower your rate, shorten your term, or tap equity |
Why Katy Homebuyers Choose Guarantee Mortgage
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Multi-County Expertise: We know which DPA programs apply to Harris, Fort Bend, and Waller County portions of Katy.
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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.
Katy Down Payment Assistance Programs
Katy spans three counties, which means different DPA programs may apply depending on which part of Katy you’re buying in. Here’s what’s available:
Harris County Down Payment Assistance (DAP)
Up to $23,800 for first-time buyers purchasing in the Harris County portion of Katy. Covers down payment, closing costs, and includes a 3-year home warranty. Forgivable after 5 years. Katy is explicitly listed as an eligible city.
Fort Bend County Housing Finance Corporation
$5,000 for buyers purchasing in the Fort Bend County portion of Katy (including many Cinco Ranch areas). New program launched in 2025—limited to 60 buyers, so funds are first-come, first-served.
Texas State Programs
Up to 5% of your loan amount for down payment and closing costs. Available in all parts of Katy regardless of county.
Homes for Texas Heroes (TSAHC)
Grants (free money, not a loan) for teachers, firefighters, EMS, police, corrections officers, and veterans.
Not sure which county your target neighborhood is in? Get pre-qualified and we’ll identify exactly which programs you qualify for based on the property address.
Katy Mortgage FAQs
What credit score do I need to buy a home in Katy?
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 Katy?
It depends on the loan program and the price of the home. FHA and conventional loans have low down payment options, and Texas down payment assistance programs may help. 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 Katy, TX?
Typically 2-4% of the loan amount. On a $337K home, expect $6,700-$13,500. This covers lender fees, title insurance, appraisal, escrow, and prepaid taxes/insurance. Both Harris County and Fort Bend County DPA programs can help cover these costs.
How long does it take to close on a house in Katy?
Timing depends on the loan type, appraisal, title work and how quickly documents come in. We give you an estimated timeline when you apply and keep you and your agent updated.
What down payment assistance is available in Katy?
It depends on which county your property is in. Harris County areas: up to $23,800. Fort Bend County areas: $5,000 (new 2025 program). State programs add another 5% on top. We help you identify which programs apply to your specific property.
Do you offer VA loans in Katy?
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. Katy has a large veteran population, and we work with VA buyers throughout the area.
Ready to Buy a Home in Katy?
Get pre-qualified in minutes. We’ll show you what you can afford, which DPA programs apply to your target neighborhoods, and how to compete in Katy’s market.
Or call us: (979) 977-3900
