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
Advantages of Jumbo Loan
- Owner Occupied and Vacation Homes
- As Low As 10% Down
- Borrow More Money For High Cost Homes
- Minimum Credit Score of 700
Today's Mortgage Rates for 9.9.2023
-haggle, low rate quote with fast response times and friendly
service.
Rate Table Assumptions
Mortgage rates are subject to change and are not guaranteed. The rates may vary based on credit score, loan amount, and other factors
Loan amounts greater than $300,000. FICO credit score greater than 740 or higher. Owner Occupied
30 Conventional Year Fixed - $400,000 or greater . LTV 75.0%. 1 % Point Charged.
15 Year Fixed - $400,000 or greater. LTV 95%. 1 Point.
30 Year Jumbo Loan - $800,000 or greater. LTV 75.0%. 1 Point.
30 Year FHA Loan - $250,000. LTV 96.5%. 1 Point
30 Year VA Loan - $350,000. 100.0% 1 Point.
Today's Mortgage Rates for
Conventional 15 Yr.
5.250%
Conventional 30 Yr.
5.875%
FHA 30 Yr.
5.250%
VA 30 Yr. Fixed
5.249%
Rate Table Assumptions
Mortgage rates are subject to change and are not guaranteed. The rates may vary based on credit score, loan amount, and other factors.
Loan amounts greater than $475,000. FICO credit score greater than 780 or higher. Owner Occupied
30 Conventional Year Fixed - $475,000 or greater . LTV 75.0%. 1 % Point Charged.
15 Year Fixed - $475,000 or greater. LTV 95%. 1 Point.
30 Year Jumbo Loan - $800,000 or greater. LTV 75.0%. 1 Point.
30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged
30 Year VA Loan - $475,000. 100.0% 1 Point.
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
The communication and the people who helped me with everything I needed or any questions I had. Over all, great team
Very informative about the whole process. Thank you for working with the Homes for Heroes program!
Kelli was AMAZING from beginning to end. She was so informative and explained every step to me. I appreciate how detailed she was. She was the BEST!!
It was great working with you. Good communication.
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.
It’s simple.
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 Merhi
NMLS 878539 | Branch Manager | Sr. Loan OfficerReef Merhi
The most exciting and enjoyable part of a real estate transaction for Reef has always been financing. Today Reef enjoys managing Texas United Mortgage where he works and mentors borrowers, realtors, his team of loan officers, and staff! When not exceeding clients' expectations, Reef enjoys spending time with his wife Valerie and his two daughters. Reef’s hobbies include golf and tennis!
Prior to Reef’s Mortgage/Real Estate career, Reef graduated at Texas A&M University. After graduation, Reef took a teaching/coaching position at The Woodlands High School, located in The Woodlands, Texas.
Scott Foster
NMLS 1591277 Operations Manager | Sr. Loan OfficerScott Foster
Scott attended college in his home state of Indiana while playing tennis in college. Wanting to start a new life after school in a new state he moved to Texas 13 years ago. When moving to Houston, he worked as a tennis coach teaching younger children. Alongside working with Reef, Scott also began to invest in real estate and flip houses.
After finishing his career in tennis he moved on to being a loan officer, where he now works at Texas United Mortgage, as a producing loan originator and the operations manager assisting Reef Merhi, Kristy Taylor and Team! He is very passionate about what he does and loves helping people. People know Scott as being a family man. He enjoys spending time with his wife and three children – Case, Cali & Crew. Scott’s hobbies include woodworking, golfing, fishing and playing tennis.
Claudia Seybold
Executive Administrative Assistant | CoordinatorClaudia Seybold
Claudia, a fifth-generation Texan and resident of The Woodlands since 2004, has been a dedicated professional in the Texas real estate industry since 2001. Throughout her career, she has played a pivotal role in successfully closing a diverse array of transactions, consistently delivering contracts that meet specified agreements and conditions.
Currently, Claudia is with Texas United Mortgage, where she serves as an executive assistant, working closely with Reef and the team to ensure that all deadlines are met and expectations are consistently exceeded. Her responsibilities include managing schedules, coordinating communication, preparing reports, organizing meetings, and handling a variety of administrative tasks essential to the team's smooth operation. Claudia's attention to detail and proactive approach contribute significantly to the team's success. In addition to her role at Texas United Mortgage, Claudia continues to practice as a Texas Realtor, further showcasing her commitment to the real estate industry.
Outside of her professional life, Claudia values time with her husband, Travis, and sons, Ethan and James Roy. She is an active member of Faith Bible Church, where she is passionate about serving the community. In her leisure time, Claudia enjoys RVing with her family, exploring the outdoors, and maintaining an active lifestyle through regular workouts.
Richard Haskell
NML 347730 | Sr. Loan Officer | ManagerRichard Haskell
Richard Haskell is an experienced Senior Mortgage Loan Officer with a proven track record of excellence in the financial services industry. His expertise includes sales, credit analysis, FHA financing, VA loans, and sales management. Richard is dedicated to delivering exceptional service and expertise to his clients, leveraging his degree from Webster University to provide a solid foundation in finance.
Throughout his career, Richard has consistently achieved outstanding results by understanding his clients' needs and customizing solutions to meet their unique financial goals. His commitment to maintaining the highest standards of professionalism and integrity ensures a seamless and successful loan process for every client.
Click here to apply with Richard: www.rhaskell.com
Joy McClellan
Sr. Loan ProcessorJoy McClellan
Nichole Walker
NMLS 2114509 | Loan OfficerNichole Walker
Nichole Walker is a professional Loan Officer , she specializes in closing FHA, Conventional, and VA loans, ensuring clients receive the best financing solutions tailored to their needs.
Nichole holds an Associate of Arts and Sciences (A.A.S.) degree in Legal Assistant/Paralegal from Lone Star College System, reflecting her commitment to excellence and proficiency in both administrative and financial services roles. Her skill set includes proficiency in Microsoft Word, Team Building, Public Speaking, Leadership, and Microsoft Excel.
Click here to apply with Nichole: www.loanswithnichole.com
David Webber
Loan OfficerDavid Webber
with over 10 years of experience in the real estate industry, helping all throughout the transaction. Book some time with David and get service that you can count on.
281-724-8004
Texas Mortgage Company
Local First
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.
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