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 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. 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, 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 in west Katy/Waller County |
| 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 shop 20+ lenders. You get the best rate, not the only rate.
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Fast Closings: 21-day average—critical in Katy’s competitive market where good homes go fast.
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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.
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 3.5% down. 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?
With Katy’s median price around $337K: FHA (3.5%) = ~$11,800. Conventional (5%) = ~$16,800. VA and USDA offer zero down. Harris County DPA can cover up to $23,800 of this for eligible buyers.
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?
Industry average is 30-45 days. We average 21 days—in Katy’s competitive market, faster closings help you win against other buyers.
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. Zero down, no PMI, competitive rates. 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
