Of the 42 mortgage brokers in Houston, TX that publish their loan programs, 30 (71%) offer conventional loans, 27 (64%) offer VA loans and 26 (62%) offer FHA loans.

Conventional loans30 of 42 (71%)

VA loans27 of 42 (64%)

FHA loans26 of 42 (62%)

First-time buyer programs26 of 42 (62%)

Jumbo loans19 of 42 (45%)

USDA loans15 of 42 (36%)

Reverse mortgages13 of 42 (31%)

Down payment assistance12 of 42 (29%)

HELOCs and home equity loans11 of 42 (26%)

Non-QM loans9 of 42 (21%)

Bank statement loans7 of 42 (17%)

Foreign national loans7 of 42 (17%)

13
advertise 3.5% down or less, including 10 with a 0% down option (typically VA or USDA)
500
lowest advertised minimum credit score; 5 lenders accept 580 or lower
29 / 8
licensed in one state only / licensed nationwide (of 42 with licensing data)

Source: FindHomeLenders review of each lender's own website, data through July 2025. Counts cover the 42 of 86 listed mortgage brokers that publish loan program details. Programs and requirements change, so confirm with the lender and check their NMLS ID before applying.

Other Mortgage Professionals in Houston

130

Mortgage Lenders

Available in Houston

View Mortgage Lenders →

Mortgage Brokers in other Texas cities

Austin (101)
Dallas (86)
San Antonio (102)
El Paso (66)
Fort Worth (44)
Plano (25)
Arlington (42)
Corpus Christi (43)
League City (14)
Texas City (14)
Richardson (8)
Addison (3)

All 777 mortgage brokers in Texas →

Why Choose Local Mortgage Brokers in Houston?

Local Market Expertise

Houston mortgage brokers have intimate knowledge of local property values, neighborhood trends, and lending requirements specific to Texas. This expertise can help you navigate the local market more effectively.

Personalized Service

Working with local mortgage brokers means face-to-face meetings, immediate response times, and personalized attention throughout your mortgage process. They understand your community and can provide tailored solutions.

Competitive Rates & Terms

Local mortgage brokers often have relationships with multiple lenders and can shop around to find you the best rates and terms available in the Houston market.

Community Connections

Benefit from established relationships with local real estate agents, appraisers, inspectors, and other professionals involved in your home buying or refinancing process.

Frequently Asked Questions

How do I choose the right mortgage broker in Houston?

Shortlist at least three mortgage brokers in Houston, ideally mixing a credit union or community bank with a broker or direct lender. Look up each one's NMLS ID on NMLS Consumer Access to confirm they are licensed in Texas, then request a Loan Estimate from each and compare the APR and closing costs, not just the rate. Our guide to finding a mortgage lender walks through each step.

What questions should I ask a mortgage broker?

Ask about their experience in the Houston market, loan products they offer, interest rates, closing costs, timeline for approval, and their process for handling your application. Don't hesitate to request references from recent clients.

Are Houston mortgage brokers better than online lenders?

Local mortgage brokers offer personalized service, local market expertise, and face-to-face support that online lenders typically can't match. However, rates and terms should be compared to ensure you're getting the best deal for your situation.

Ready to Connect with Houston Mortgage Brokers?

Get matched with the perfect mortgage broker from our network of 86 local professionals

Advanced Search Browse All Mortgage Brokers