You are less than 60 seconds away from your quote.
Resume from where you left off. No obligations.
5.0 1,300+ REVIEWS
Houston,
Texas
Mortgage Lender
We’re a hybrid mortgage lender in Houston, which means we can bank or broker your loan, so you get all the loan options and rate benefits in one place without compromise. Instead of working with a single loan officer, we operate as a collaborative Super Team that keeps everything on track. We’re available seven days a week, and we guarantee responses within 60 minutes during operating hours.
Choosing a Houston mortgage lender who knows the whole metro matters here, where two houses ten minutes apart can come with very different tax bills. We lend from inside the Loop out to Katy, Sugar Land, and The Woodlands, and we’ll show you what you qualify for alongside what the monthly payment looks like with those taxes built in.
Compare rates in Houston, Texas
Why choose JVM Lending as your Houston mortgage lender
We’ve helped buyers across Houston, from Heights townhomes to Montrose bungalows to newer builds on the west side, so we know how properties here appraise and what to check before you make an offer. That includes a home’s flood zone, since it can affect your insurance costs and your monthly payment.
When you’re ready to write an offer, we’ll call the listing agent and walk them through your pre-approval so they see how strong a buyer you are. Many of our purchase loans close in as little as 10 days, which lets you offer a quicker closing date and a shorter financing window when it counts. A full team works on every file, so there’s always someone who knows your loan. We’re reachable seven days a week, with 60-minute responses during operating hours.
Areas we serve around Houston
Greater Houston spreads across several counties, and we lend in all of them. You'll find us working in these areas most often:
Houston neighborhoods
The Heights, Montrose, Midtown, EaDo, Oak Forest, Garden Oaks, Spring Branch, Memorial, Rice Military, Kingwood, and Clear Lake.
West and northwest Harris County
Katy, Cypress, Jersey Village, Tomball, Spring, and Humble.
Fort Bend County
Sugar Land, Missouri City, Richmond, Rosenberg, and Fulshear.
North and south metro
The Woodlands, Conroe, Atascocita, Pearland, Friendswood, and League City.
Houston mortgage rates and what affects them
Your rate comes down to your credit, your down payment, the property type, and the loan you choose. Two buyers looking at the same house can end up with very different numbers. In Houston, property taxes and insurance also move your monthly payment, including flood insurance if the home sits in a flood zone. We’ll factor those in from the start, because the payment matters more than the rate alone. We can quote current Houston rates for your scenario anytime, though rates can’t be locked until you have a property under contract. To see where the market sits today, check our live rates.
The Houston housing market at a glance
The median single-family home price in Greater Houston was $330,000 in August 2026, down slightly from a year earlier. Prices vary a lot by neighborhood. If a single-family home feels out of reach, townhomes and condos can be a more accessible starting point, and more of them are on the market right now.
Buyers have more options and more time right now. There’s about 5.3 months of inventory, meaning current listings would take roughly five months to sell at today’s pace. Most Houston homes fall within conforming loan limits, so conventional and FHA loans work for a lot of buyers, while jumbo loans come into play in higher-priced areas like River Oaks and Memorial.
Buy now, refi later FOR FREE. *
JVM's Rate Drop Free-fi™
Popular loans in Houston, Texas
Most Popular
30-Year Fixed-Rate
This is one of the most popular mortgage loan options for a reason. The longer 30-year term means lower, fixed monthly payments over the life of the loan.
Benefits
- Low interest rates
- 3% down payment options
- Protects you against inflation risks
Great Pick For First-Time Buyers
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
Benefits
- 3.5% down payment options
- Flexible credit requirements
- Fast closes - as little as 10 days
Down Payment Help for Texas Buyers
TSAHC Down Payment Assistance
Eligible Texas homebuyers can receive up to 5% of their loan amount in down payment assistance, available as a grant or forgivable second lien, paired with a 30-year fixed-rate mortgage.
Benefits
- Get up to 5% of your loan amount in down payment and closing cost assistance
- Grant option available that never needs to be repaid
- Open to both first-time and repeat home buyers across Texas
Get pre-approved to buy a home in Texas
We work with you to understand your financial profile and determine what loan is the best fit. We'll find you the lowest payment possible, and share your maximum borrowing ability.
Step 1
Fill out your loan application
Your loan application gives us the basic information we need upfront to begin your pre-approval.
Step 2
Upload your documents
In your loan application you'll upload:
- Recent pay stubs
- Current banking records
- Two years of tax documents
- Current government ID
Step 3
We analyze your info
We analyze everything you submitted in your loan application along with any documents you uploaded - ultimately determining how much you can afford.
Step 4
You're pre-approved!
Your JVM Client Advisor will send over your JVM Lending Certified® Pre-Approval Letter for your max purchase price. When you start submitting offers, we will tailor your pre-approval to match every offer.
Houston Mortgage FAQ
Call, text or email your question
$541,287 for a single-family home in 2026, and the same limit applies across the entire Houston metro, including Fort Bend, Montgomery, Brazoria, and Galveston counties. HUD sets FHA limits by metro area rather than by county, so crossing a county line on your home search doesn’t change your ceiling. Our Texas FHA limits guide carries the full county table.
Most Houston homeowners pay about 1.8% to 2% of market value each year, sometimes more. That money goes into escrow, the account your servicer uses to pay the tax bill, so it shows up in your monthly payment. The school district homestead exemption is now $140,000, so filing for it makes a real dent. Our Harris County tax guide walks through exemptions and the protest process.
No. FHA financing starts at 3.5% down with qualifying credit, and conventional options go as low as 3% for first-time buyers who meet the income guidelines. TSAHC assistance can cover part of the down payment and closing costs on top of that. Our Texas low down payment guide lays out which programs pair with which loans.
Municipal Utility District taxes fund water, sewer, and drainage in areas developed outside existing city services, and they’re common in master-planned communities around Katy, Cypress, Fort Bend County, and Montgomery County. A MUD adds to your combined tax rate, which raises the escrow portion of your payment. We build it into your payment estimate before you write an offer.
Usually not. The 2026 conforming limit is $832,750 in every Texas county, and Houston’s median sale price is far below that, so most buyers stay in conventional financing. Jumbo shows up in pockets like Memorial, River Oaks, West University, and parts of The Woodlands. Our Texas conforming limits guide has the full breakdown.
Many of our purchase loans close in as little as ten days. We’ll tell you upfront if anything in your loan will take longer, like a self-employment income review or a delay getting HOA documents. We’re available seven days a week, so your loan keeps moving on weekends. Starting the pre-approval early is the best way to keep that timeline short.
Yes, across the full Houston metro and everywhere else we’re licensed in Texas. Suburban purchases bring their own wrinkles, mostly MUD taxes, HOA dues, and new construction timelines that shift. Our Houston first-time buyer guide covers what to plan for.
Plan on roughly 2% to 5% of the purchase price, covering title, lender fees, appraisal, and prepaid taxes and insurance. Texas tends toward the higher end, and closing costs are often negotiable with sellers and builders, so it’s worth raising alongside price. Our Texas closing cost breakdown itemizes each line.