Houston, TX

Home Loans in Houston

Buying, refinancing, building or investing in Greater Houston? We shop multiple lenders to find a loan that fits your budget and your plans.

  • Greater Houston Harris & surrounding counties
  • Multiple lenders shopped
  • Texas licensed loan officers

Answer a few quick questions to see your loan options, call (214) 843-0612, or start your application.

Buying in Houston: what to know

  • Many Houston-area neighborhoods sit in MUDs, which add to your property tax bill. We include MUD taxes in your payment up front
  • Check the flood zone before you buy. Lenders require flood insurance in FEMA high-risk zones, and it's worth pricing even when it isn't required
  • Property taxes vary by city, school district and special districts, so compare payments, not just prices
  • File your homestead exemption with your county appraisal district after you move in

Houston

From the Heights to Midtown to the suburbs inside the Beltway, Houston has homes at almost every price point. FHA and conventional loans are popular with first-time buyers.

Katy & Cypress

West and northwest of the city, with master-planned communities and lots of new construction. We always check for MUD taxes on new builds.

Sugar Land & Fort Bend County

Established neighborhoods and strong schools attract families and move-up buyers. Conventional and jumbo loans are common here.

The Woodlands, Spring & Conroe

North of Houston in Montgomery and Harris counties, with a mix of established homes, new builds and acreage. Some outlying areas may qualify for $0 down USDA financing.

Pearland & League City

South of Houston toward the coast. Popular with commuters, and flood zone checks matter here.

Humble, Kingwood & Atascocita

Northeast Houston communities with a wide mix of price points for first-time and move-up buyers, plus rentals that work well with DSCR loans.

Frequently Asked Questions

Do you lend in Houston even though you're based in Dallas?

Yes. We serve all of Texas, plus Alabama, California, Florida, Georgia and North Carolina. Everything can be done by phone and online.

Do I need flood insurance in Houston?

If the home is in a FEMA high-risk flood zone and you have a mortgage, the lender will require it. We'll help you check the flood zone and factor the cost into your payment.

Do you do investment property loans in Houston?

Yes. DSCR loans let you qualify with the property's rent instead of your personal income, and you can close in an LLC.

Funded America Home Loans

5301 Alpha Rd, Suite 66-212, Dallas, TX 75240. Call (214) 843-0612. Serving Dallas–Fort Worth and all of Texas, plus AL, CA, FL, GA and NC. Read our reviews on Google.

  • More Options. A Home Loan That Fits.
  • DSCR Loans for Real Estate Investors
  • Conventional Home Loans in Dallas, TX
  • FHA Loans in Dallas, TX
  • $0 Down USDA Home Loans in Texas
  • Construction Loans to Build Your Dream Home
  • FHA 203(k) Rehab Loans: Buy and Fix Up in One Loan
  • HELOC: Tap Your Equity and Keep Your Rate
  • Home Equity Loans: One Lump Sum, One Fixed Payment
  • Refinance Your Home Loan in Texas
  • Buying Your First Home in Texas
  • Home Loans Across Dallas–Fort Worth
  • Veteran-Owned. Relationship-Driven.
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  • VA Home Loans for Veterans and Military Families
  • Turn Your Home Equity Into Cash
  • Bank Statement Loans for the Self-Employed
  • Jumbo Loans for Higher-Priced Homes
  • P&L and Asset-Based Home Loans
  • Fix and Flip and Bridge Loans for Investors
  • ITIN and Foreign National Home Loans
  • Down Payment Assistance Programs
  • Manufactured Home Loans
  • Home Loans in Fort Worth
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  • Home Loans in Atlanta and Across Georgia
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Funded America LLC · Mortgage Broker · NMLS #2575079 · Licensed in Alabama, California, Florida, Georgia, North Carolina and Texas. We are a mortgage broker, not a lender, and are not affiliated with any government agency. Equal Housing Opportunity.