Baytown Mortgage Lender

Home loans, down payment help & fast pre-approvals in Baytown, TX

Your Local Mortgage Lender in Baytown, TX

Looking for a mortgage lender in Baytown, TX? Baytown keeps growing, and so do the opportunities for buyers. I help Baytown families with FHA, VA, USDA, conventional and down payment assistance loans, and our Deer Park office is a short drive across the bridge.

Why Buyers Love Baytown

New-construction communities alongside established neighborhoods
Big employers along the ship channel and Cedar Port
Homes in parts of Chambers County that may qualify for zero-down USDA loans

Home Loans for Baytown Buyers

FHA loans with as little as 3.5% down
VA and Texas VLB loans with zero down for eligible veterans
USDA loans in eligible areas
Conventional loans with as little as 3% down for qualified first-time buyers
Non-QM and bank statement loans for self-employed buyers
Construction, renovation, refinance and home equity options

Down Payment Help & Local Tips

Down Payment Help in Baytown

Baytown buyers may qualify for the City of Baytown Homebuyer Assistance program, plus statewide TSAHC and TDHCA programs. Some homes on the Chambers County side may also qualify for USDA financing. See every option on our Houston down payment assistance page and learn about the Texas Mortgage Credit Certificate.

Working With a Local Baytown Mortgage Lender

I run every program you qualify for side by side, so you see your estimated payment and estimated cash to close before you choose. After closing, remember to file your homestead exemption with the Harris Central Appraisal District or Chambers County Appraisal District. Prefer Spanish? Hablamos español. Realtors, visit our Realtor Tools page.

Frequently Asked Questions

Do you lend in Baytown, TX?

Yes. Clifton Saunders and The Clifton Saunders Mortgage Team with New American Funding help buyers and homeowners throughout Baytown and Harris and Chambers counties from our Deer Park office.

How do I get pre-approved for a home in Baytown?

Call or text 281-978-2106 or start online at www.CliftonSaunders.com. Most buyers get a pre-approval within a day once we have their documents.

Is there down payment assistance in Baytown?

Often yes. Baytown buyers may qualify for the City of Baytown Homebuyer Assistance program, plus statewide TSAHC and TDHCA programs. Some homes on the Chambers County side may also qualify for USDA financing.

Clifton Saunders, NMLS #230688 | New American Funding, NMLS #6606 | Equal Housing Opportunity. Subject to credit approval; not all applicants will qualify. Loan programs, grant funds, income limits and guidelines can change at any time and vary by county. This is not a commitment to lend. Call or text 281-978-2106 to confirm current details.