We Specialize In Home Loan Mortgages
- Owner Occupied, Vacation Homes and Rental Property Purchases
- Conventional Loans (30 Year, 15 Year, 10 Year, Customized Term Options)
- Government Loans (FHA, VA, USDA)
Refinance And Save Thousands In Interest!
- Lower Your Monthly Payment
- Pay Off Your Loan Faster
- Cash Out Options To Pay Off Other High Interest Rate Debts
- FHA Streamline and VA IRRL Options
Conventional Loan Advantages
- Primary, Vacation Homes And Rental Properties
- As Low As 3% Down Payment
- Minimum Credit Score 620
- Low Or No Mortgage Insurance Options
Advantages of FHA Loans
- Credit Scores As Low As 560
- Down Payment Assistance Programs Available
- First Time Homebuyers
- 3.5% Minimum Down Payment
Advantages of VA Loans
- 0% Down Payment Required
- No Monthly Mortgage Insurance Required
- Easier To Qualify With Lower Income
- Low Rates, Low Fees!
Advantages of USDA Loans
- 0% Down Payment
- Low Mortgage Insurance
- Closings Costs Assistance Available
- Low Fixed Rates, Low Fees!
Assistance Available To You
- Minimum Credit Score 620
- Assistance Provided As A Grant (Never Has To Be Repayed)
- Not Required To Be First Time Homebuyer
- Get Up To 5% For Down Payment Or Closing Costs
Your Mortgage Lenders In Texas
So, we bring a personal touch to our service. In fast-paced Houston and across Texas, our local experts move quickly to help you close on time when you are buying your home. With access to the latest rates and best loan products, our loan officers work closely with you to tailor-make the mortgage that fits your life.
For refinances, we offer a wide range of refinance options and we’ll help you cash out or get a better team.
Most importantly, we make the process easy, and painless. We’re accessible – even at weird hours – to make sure your loan for your new Texas home closes on time.
That’s why so many clients rate us as the best Texas mortgage company, for our outstanding service and expert help.
Customers Love Us. Latest Reviews
Reef was incredible. He was very professional and gladly explained all of my options to me and the pros and cons of each. I felt very comfortable with my decision and would highly recommend Reef because of his knowledge, professionalism, and genuine willingness to help.
I’ve worked with Reef multiple times and it’s always a great experience. He knows what he’s doing and puts his clients first. I’ve referred him to other friends and coworkers and they too have had great experiences with Reef and his team. If you’re needing any advice or help Reef is the one to go to!
I have worked with Texas United Mortgage for several years! There staff is honest, hard working, and have never let me down. Always going the extra mile and doing everything they can to help their clients. My real estate business will continue to refer clients to TUM. Best in Texas!
These guys worked exceptionally well. They stepped in when a different company couldn’t close. They got our deal done in 14 days. I will recommend Reef to anyone I know looking to finance or refinance their house. Thank you to all!!
You guys are Awesome!!!! I really appreciate everything you have done to get me to closing in a short amount of time. Reef gave me great advice and was always available to answer any questions I had. The best team out there!
Reef was just awesome. He explained everything he was doing and why he was doing it. Was patient while I shopped around and even helped explain some of the other quotes I got when they didn't want to spend the time to do it themselves.
Whether you’re looking to get a home loan for a new home in Houston, Texas, or you need to refinance a home in Texas, our Texas mortgage company keep things real simple by getting you the lowest rates, and the fastest closings.
How we do this?
By building on our teams’ combined decades of local, Houston and Texas experience, we know the ins and outs in the lone star state.
And saving money goes beyond the on-paper low rate. Sometimes, doing so won’t save you money, so we coach you on the best option for your life plans.
Customers love our people
Call us today at (888) 505-1718
Reef MerhiBranch Manager
Scott FosterOperations Manager / Loan Officer
Claudia SeyboldTransaction Coordinator
Terrence CrosbyLoan Officer
Daniel MarshallLoan Officer
Kristy TaylorLoan Officer
Texas Mortgage Company
At our Texas mortgage company, we make everything easy to understand and clearly communicate with you throughout the process.
We can also move fast — mortgage rates change daily, so we’re always ready to act when the numbers are right.
Learn More About Mortgages
Keep reading our latest articles for tips and information that you can use today to be a better informed home buyer.