Houston-Based Mortgage Advisor
Explore VA, FHA, conventional, jumbo, and investment loan options available in Houston and across Texas — with clear, strategic guidance tailored to your goals.
VA loans provide powerful home financing benefits for eligible veterans, active-duty service members, and certain military families. These loans often require no down payment and do not include monthly private mortgage insurance.
VA financing can be especially advantageous in Houston’s competitive housing market, helping qualified borrowers structure strong offers while maintaining long-term affordability.
FHA loans are designed to make homeownership more accessible, often requiring as little as 3.5% down. They can be a strong option for first-time buyers or those rebuilding credit.
FHA loans include mortgage insurance requirements, but they provide flexibility that can open the door to homeownership sooner.
Conventional mortgages are popular for borrowers with solid credit profiles and stable income. Down payments may range from 3% to 20% or more, depending on the program.
Private mortgage insurance (PMI) may apply when putting less than 20% down, but it can often be removed once equity thresholds are met.
Financing for rental and investment properties typically requires larger down payments and careful income analysis. Houston’s strong rental market presents meaningful long-term opportunities for strategic investors.
I help structure investment financing that aligns with cash flow goals, portfolio growth, and long-term appreciation strategy.
| Loan Type | Down Payment | Mortgage Insurance | Best For |
|---|---|---|---|
| VA Loan | 0% (in most cases) | No monthly PMI | Eligible veterans & military families |
| FHA Loan | 3.5% minimum | Required (MIP) | First-time buyers & flexible credit profiles |
| Conventional | 3%–20% | PMI if under 20% down | Strong credit & stable income |
| Investment | Typically 15%–25% | Varies | Rental property & portfolio growth |
Not sure which option fits your situation? Let’s review your goals together.
Fixed-rate mortgages offer predictable monthly payments over the life of the loan, while adjustable-rate mortgages (ARMs) may provide lower initial rates that adjust after a defined period.
Choosing the right rate structure depends on your long-term plans, risk tolerance, and financial strategy.
| Feature | Fixed Rate Mortgage | Adjustable Rate Mortgage (ARM) |
|---|---|---|
| Interest Rate | Stays the same for entire term | Fixed initially, then adjusts |
| Payment Stability | Fully predictable | May increase after adjustment period |
| Best For | Long-term homeowners | Short-term ownership or strategic planning |
| Risk Level | Lower | Moderate (depends on rate movement) |
Let’s review your goals, budget, and long-term plans to determine the right financing strategy.
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