Get A Mortgage In Texas
FHA loans, VA mortgages, reverse mortgages or even bad credit, we’ve got you covered.
If you’re looking to get a mortgage in Texas, buying your first home can be daunting. You want nothing but the best for your family, and that’s why our team is consistently top rating as the best mortgage lender in Texas and the surrounding areas.
Types of Texas Home Loans
Texas Conventional Loans
Conventional Loans are the most conventional mortgage product. Conventional Loans fit within the loan limit set by the Federal Housing Finance Agency for your area (currently set to $548,250). Here’s why conventional loans are popular in Houston.
Top Texas Conventional Loan Benefits:
- Great fit for buyers with excellent credit.
- Only 3% minimum required for a down payment
- Lenient on credit scores, as long as you have no major negative credit (i.e foreclosures, bankruptcies, etc.)
- Gives you more buying power over FHA
- DTI (Debt To Income Ratio) of up to 45%
- Loan limit in Montgomery County of up to $548,250
- No income limit
Texas FHA Loans
Texas FHA loans have long been a popular product among home buyers in Houston, and across the state. What makes the FHA loan so attractive is the low down payment requirement of 3.5%, and the low credit score minimum of just 580.
Top Texas FHA Benefits:
- Offers a lower credit score minimum of 580
- Low down payment minimum of 3.5%
- Great for home buyers purchasing homes priced at $331,200 or less
- High DTI (Debt To Income ratio). You can go up to 57% DTI on FHA loans
Texas VA Loans
If you qualify, the VA loan is a superb mortgage for a Houston home buyer. With no down payment required, the Texas VA loan makes buying a home accessible to anyone that qualifies.
Top Texas VA Loan Benefits:
- No down payment required
- No mortgage insurance (an extra fee that applies to other loans with under 20% down payment)
- Government guaranteed, even if you cannot pay it back
- Due to government guarantee, it's easier to qualify with a lower credit score
- Oftentimes closing costs are lower than other mortgage loans
Texas USDA Loans
UDA loans in Houston are not so well known. But they are actually a great deal, with no down payment required and oftentimes, cheaper mortgage insurance.
Top Texas USDA Loan Benefits:
- No down payment required
- Slightly higher credit score required of 640
- Great for home buyers in less dense, more rural areas
- Flexible qualifying guidelines
- Low fixed interest rate
- Allows you to build a home with the loan
Customers love our people
Call us today at (888) 505-1718

Reef Merhi
NMLS 878539 Branch ManagerReef 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 ManagerScott 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
Transaction CoordinatorClaudia Seybold
Fifth Generation Texan and resident of The Woodlands since 2004, Claudia has been in The Real Estate Industry since 2001. Over the years, Claudia has been instrumental in closing a wide range of transactions and has produced countless contracts in accordance with specified agreements and conditions.
Today, Claudia coordinates the borrowers paperwork assisting the team to ensure every deadline is met, and to exceed all parties expectations. Claudia is excited to work with such an amazing team as their Loan Coordinator. When not exceeding client expectations, Claudia enjoys spending time with her husband Travis, sons Ethan (22), and James Roy (7). Claudia is a member of Faith Bible Church and she is passionate about serving in the preschool department at Church. Claudia’s hobbies are boating/fishing, being outdoors, and working out.

David Webber
Business Development ManagerDavid 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

Daniel Ganoe
NMLS# 1646757Mortgage Broker
Daniel Ganoe
Mortgage Broker

Joy McClellan
Loan ProcessorJoy McClellan

Want To Learn About More Texas Loan Products?
Jumbo loans, conventional cashouts, Seth Grant FHA, Hard Money Portfolios and more! We can provide you with a wide variety of loan products to fit your needs. Get in touch today, we’d love to help.
How Do You Qualify to Get A Mortgage In Texas?
Qualifying for a mortgage is easier than you think.
Borrowing $200,000 or more is no small feat, but it doesn’t have to be hard or stressful.
Many first-time homebuyers feel anxious before meeting with their lender, but with the right loan officer and solid financials, you’ll be able to qualify for a loan to make the biggest purchase of your life.
During the first meeting, your lender will get to know you and your financial situation. Once the paperwork begins, you’ll need to provide proof of several things to qualify for the loan.
If you are looking to buy a home in Houston, here’s what you’ll need to qualify for a loan.
Proof of Employment
In order to qualify for a mortgage in Texas, you must have a stable source of income. Having a steady, stable income source lets lenders know you’ll be able to pay back the loan.
It is typical for lenders to ask you to provide your salary statement, and they may call your workplace to verify your employment.
If you’re self-employed, your lender will consider the following factors.
Income stability
Location of your business
Demand for your business
If you are self-employed, you will likely be asked to provide your income tax returns from the past two years.
Proof of Income
Aside from calling your workplace to verify your employment, your lender will want to see your W-2 forms from the past two years and recent pay stubs to verify your income.
You will also need to provide proof of any additional income you received.
Your income level will allow your lender to determine the loan amount you qualify for your home mortgage in Texas.
Credit Verification
It’s best to pay off your credit card debt before applying for a home loan.
The higher your credit score, the lower your interest rate. Lenders will look at your
debt-to-income ratio when you apply for the loan. Large amounts of debt can tank your credit score.
Your lender will pull a credit report to determine your existing debt and FICO score. You can qualify for some loans with a score of 620 or higher, but it’s best to raise your credit score before applying so you can get a lower interest rate.
Proof of Assets and Down Payment
You’ll need to provide proof of cash reserves, bank statements, and investment account statements to prove you have the money for the down payment and closing costs.
Unless you are putting down at least twenty percent of the home price, you’ll need to purchase private mortgage insurance or pay a funding fee.
Other Documents Needed
You should also be prepared to provide your driver’s license, social security number, and signature during the initial meeting with your lender.
Providing these documents authorizes your lender to run the credit report and helps the loan process move smoothly.
Be prepared, be cooperative, and you’ll be well on your way to purchasing the home of your dreams.
Send us a message to get a full checklist of what you’ll need to get pre-approved before you start house-shopping.
Rates Change Often, But Homes Are Forever
Despite higher than usual interest rates at this time, this is possibly the best time to purchase the dream of your homes. With fewer buyers on the street, buyers are winning deals at lower price tags. And when rates come down again, we'll be here to help you refinance and lower your payments.