Houston Mortgage Lender

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

Your Local Mortgage Lender in Houston, TX

Looking for a mortgage lender in Houston, TX? As the biggest city in Texas, Houston has a home for every budget, from starter homes to luxury properties. I help buyers all over the city compare every loan and grant they qualify for. I am Clifton Saunders, The Mortgage Mentor, a branch manager and senior loan officer with New American Funding, and my team serves all of Harris County from our office in Deer Park.

Why Buyers Choose Houston

Buyers inside city limits may qualify for the City of Houston Homebuyer Assistance Program (funds often run out, so start early)
Neighborhoods for every budget, from starter homes to jumbo-priced properties
Strong job market in energy, healthcare, the port and aerospace

Home Loans for Houston 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 and jumbo loans
Non-QM and bank statement loans for self-employed buyers
Construction, refinance and home equity options

Down Payment Help & Local Tips

Down Payment Help in Houston

Inside Houston city limits, ask about the City of Houston Homebuyer Assistance Program. Harris County buyers can look at Harris County down payment assistance on eligible homes, plus statewide TSAHC and TDHCA programs and a Mortgage Credit Certificate. See every option on our Houston-area down payment assistance page.

Your Local Houston 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, file your homestead exemption with the Harris Central Appraisal District. See all the cities we serve in Harris County. ¿Habla español? Hablamos español. Realtors, visit our Realtor Tools page.

Frequently Asked Questions

Do you offer home loans in Houston, TX?

Yes. Clifton Saunders and The Clifton Saunders Mortgage Team with New American Funding help buyers and homeowners in Houston and throughout Harris County.

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

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 Houston?

Often yes. Inside Houston city limits, ask about the City of Houston Homebuyer Assistance Program. Harris County buyers can look at Harris County down payment assistance on eligible homes, plus statewide TSAHC and TDHCA programs and a Mortgage Credit Certificate.

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.