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Lowest Rate ➔ Or We Pay You

We beat your loan rate with any lender in Texas - or we'll send you a $1,000 check.

How This (Crazy Good Offer) Works:

Step 1: Send us a Loan Estimate from another lender—we’ll run the numbers and compare.

Step 2: If we can’t beat the deal upfront, lock in your rate with that lender and share their locked Loan Estimate (dated the same day) with us for one final shot at beating it.

Step 3: If we still can’t offer you a better deal, go ahead and close with them. After closing, show us the Final Closing Disclosure—and Texas United Mortgage will pay you $1,000.

 

Nobody Wants To Pay An Extra $50/mo For The Next 30 Years. That's Why We Make This Promise.

We've seen it way too many times: mortgage officers that take big fat commissions at your expense.

But you didn't know it because your loan was just a tiny bit higher.

You're looking for the home that will build memories for a lifetime without the stress of making the monthly payments. 

By working wide range of lenders, we pass the savings on to you. That’s why we’re confident enough to guarantee it.

Most lenders wouldn’t dare make an offer like this... because they know they’d be paying out way too often.

Hurry! 187 Texans Have Compared Rates As Of 

1,122

Customer Reviews

4.9 out of 1122 reviews
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1-1
Natalie Witherspoon
Daniel Ganoe made the purchasing of our home in Texas easy. I did not know what to expect since I was purchasing a home out of state. Daniel kept us informed and updated twice a week. He answer all of our question. He return texts and calls promptly. Very respectful and professional. If you looking for a fantastic and professional mortgage broker Dan is the man.
2-1
Kevin Browder
I like to thank Texas Mortgage Company for the great job they did towards purchasing my new home thanks a lot to everyone who helped me out
3-1
Lincy Pillai
Reef & Joy were absolutely, hands down amazing! Reef has been working the numbers with my husband for MONTHS and even accommodated to my husband’s work schedule & called after hours. Joy worked diligently & responded so quickly. We are ever so grateful for their patience & the magic they pulled right before closing. We highly recommend that everyone uses Texas United Mortgage.
4-1
Kumar Mukherjee
Hands down trust worthy, professional and efficient. Saved me from overpaying on a loan proposed by another corrupt loan agency. Ain’t gonna work with no other again, but Scott!
5-1
Emiliano Elizondo
I tried 2other lenders that denied me.daniel got it done.i really appreciate the professionalism.after being denied twice couldent have done without.I highly recommend Texas United mortgage.
6-1
Christina Poswiatowsky
We are just starting our process to buy a home in TX. We are moving from VA so this is a very big step for us. We have had several questions on the process and this company has been able to answer the questions we have so far and are very helpful and informative.
7-1
Mark Kynard
I thought the presentation was very informative. The technology we discussed was amazing and it appears to be easy to use.
8-1
Abide Masaraure
These guys helped us get our first home. I worked with Daniel Ganoe and his team from loan preapproval until the final approval . He was able to help me overcome any challenges that I was having throughout the application process. They have an easy to use online application portal, which makes it easy to upload documents and resubmit documents. Texas United Mortgage kept updated on the progress of the application. If you are a first time home buyer, I highly recommend you to try out these guys.
9-1
Katherine Martinez
Daniel was awesome! Out of all the different mortgage companies I tried, he was the only one willing to help. He guided me every step of the way, thank you!
10-1
Betty Poston
Reef, Scott & Claudia are an amazing team to work with! As a real estate agent, it is imperative that your clients feel comfortable about the loan process. The level of service provided kept my clients informed and worry free - terrific job everyone!!
1-1
Natalie Witherspoon
Daniel Ganoe made the purchasing of our home in Texas easy. I did not know what to expect since I was purchasing a home out of state. Daniel kept us informed and updated twice a week. He answer all of our question. He return texts and calls promptly. Very respectful and professional. If you looking for a fantastic and professional mortgage broker Dan is the man.
2-1
Kevin Browder
I like to thank Texas Mortgage Company for the great job they did towards purchasing my new home thanks a lot to everyone who helped me out
3-1
Lincy Pillai
Reef & Joy were absolutely, hands down amazing! Reef has been working the numbers with my husband for MONTHS and even accommodated to my husband’s work schedule & called after hours. Joy worked diligently & responded so quickly. We are ever so grateful for their patience & the magic they pulled right before closing. We highly recommend that everyone uses Texas United Mortgage.
4-1
Kumar Mukherjee
Hands down trust worthy, professional and efficient. Saved me from overpaying on a loan proposed by another corrupt loan agency. Ain’t gonna work with no other again, but Scott!
5-1
Emiliano Elizondo
I tried 2other lenders that denied me.daniel got it done.i really appreciate the professionalism.after being denied twice couldent have done without.I highly recommend Texas United mortgage.
6-1
Christina Poswiatowsky
We are just starting our process to buy a home in TX. We are moving from VA so this is a very big step for us. We have had several questions on the process and this company has been able to answer the questions we have so far and are very helpful and informative.
7-1
Mark Kynard
I thought the presentation was very informative. The technology we discussed was amazing and it appears to be easy to use.
8-1
Abide Masaraure
These guys helped us get our first home. I worked with Daniel Ganoe and his team from loan preapproval until the final approval . He was able to help me overcome any challenges that I was having throughout the application process. They have an easy to use online application portal, which makes it easy to upload documents and resubmit documents. Texas United Mortgage kept updated on the progress of the application. If you are a first time home buyer, I highly recommend you to try out these guys.
9-1
Katherine Martinez
Daniel was awesome! Out of all the different mortgage companies I tried, he was the only one willing to help. He guided me every step of the way, thank you!
10-1
Betty Poston
Reef, Scott & Claudia are an amazing team to work with! As a real estate agent, it is imperative that your clients feel comfortable about the loan process. The level of service provided kept my clients informed and worry free - terrific job everyone!!

Texas United Mortgage - Lowest Rate Guarantee Terms and Conditions

Effective Date: Jan 8, 2025

1. The Guarantee: Texas United Mortgage ("TUM") guarantees to beat a competitor's qualifying mortgage interest rate (by offering a lower rate for the same or lower total points and lender origination fees on an otherwise identical loan product) or pay you $1,000 ("Guarantee Payment"). This Guarantee is subject to these terms.

2. Eligibility: To be eligible, you must:

  • Have submitted a complete TUM mortgage application for an eligible loan type ([Specify eligible types, e.g., Conventional, FHA, VA Fixed-Rate purchase/rate-term refi ONLY]) secured by property in Texas.
  • Meet TUM's standard credit, income, asset, and underwriting requirements.
  • Exclusions: This guarantee excludes [Specify key exclusions, e.g., HELOCs, ARMs, Jumbo, Construction, Reverse Mortgages, loans via brokers not funding directly, non-QM loans, etc.].
  • This Guarantee is not a commitment to lend.

3. Qualifying Competitor Offer: You must provide TUM with a complete, official, executed, and locked Loan Estimate (LE) from a competing licensed Texas mortgage lender. The competitor LE must meet all the following conditions:

  • Identical Loan: Match the TUM application exactly (program, loan amount, term, LTV, property type, approx. closing date).
  • Locked Rate: Clearly show a locked interest rate and the lock expiration date.
  • Same-Day Submission: Be provided to your TUM Loan Officer on the same calendar day it was locked by the competitor, and before you lock your rate with TUM. Offers presented later are ineligible.
  • Complete & Verifiable: Include all pages, be unaltered, and be verifiable by TUM.

4. Comparison Basis: TUM compares its best rate offer against the competitor LE's locked rate and total points/lender origination fees for the identical loan scenario. TUM "beats" the offer if our rate is lower at the same or lower points/fees. A matching rate with lower points/fees also constitutes beating the offer. The comparison excludes APR and third-party fees.

5. Claim Submission & Verification: Submit the qualifying LE according to Section 3(c). By submitting, you authorize TUM to contact the competitor to verify the offer's authenticity and terms, and you agree to cooperate if needed. TUM requires up to three (3) business days after receiving the LE and necessary verification to determine if it can beat the offer.

6. $1,000 Guarantee Payment: The $1,000 payment is issued only if:

  • You meet all eligibility requirements (Section 2).
  • You provide a complete, valid, verifiable competitor LE meeting all criteria, including same-day submission (Section 3).
  • TUM confirms in writing that it cannot beat the competitor's verified offer as defined in Section 4.
  • No Payment if Beaten: If TUM can beat the competitor's offer, the $1,000 is not paid, regardless of whether you accept TUM's offer.
  • Details: Payment via check to the primary applicant within 45 days of TUM's confirmation. Limit one payment per loan transaction/property address per 12 months. You are responsible for all taxes (TUM may issue a 1099).

7. Exclusions: This Guarantee explicitly does not apply to:

  • Ineligible loan types or lenders (see Sections 2 & 3).
  • Offers not presented on an official, locked LE.
  • Competitor LEs not submitted on the same calendar day they were locked.
  • New Builder Lenders: Offers from lenders affiliated with, owned by, required by, or providing exclusive incentives through a new home builder or construction company.
  • Offers contingent on membership (e.g., credit unions), employment, relocation benefits, or non-standard builder/seller incentives.
  • Unverified, expired, altered, or withdrawn competitor offers.
  • Offers where loan parameters (credit score, LTV, etc.) change after LE issuance.
  • Loans already rate-locked or closed with TUM.
  • Market rate changes after the comparison window.

8. Program Modification and Termination: TUM reserves the right to modify, suspend, or terminate this Guarantee program at any time without prior notice. Changes apply prospectively to claims submitted after the modification date.

9. Governing Law: These Terms and Conditions are governed by the laws of the State of Texas.

10. Disclaimer: This Guarantee is not a commitment to lend. Loan approval is subject to underwriting. Texas United Mortgage is an Equal Housing Lender. Consult your financial advisor. TUM is not responsible for competitor actions or failure to honor their offers.

11. Contact Information: For questions regarding this Guarantee, contact your Texas United Mortgage Loan Officer, or contact us here.