Houston Mortgage Broker
Houston, Texas Mortgage Rates & Broker Services
Buying or refinancing in We compare rates from 20+ wholesale lenders to find your lowest rate. Local TX expertise, Harris County knowledge, pre-approval in 24 hours.
$832,7502026 conforming limit (Baseline)
TX licensedNMLS #2134550
24 hrsPre-approval turnaround
20+ lendersShopped for your file
Houston Mortgage Quick Facts
Harris County uses the standard baseline conforming amount. Here's the snapshot of the Houston, TX mortgage market.
$832,750
2026 Conforming Limit
(Baseline)
(Baseline)
$340K
Median Home Price
(Houston Metro)
(Houston Metro)
2.3M
Population
(Houston)
(Houston)
9 states
Where OnPoint is Licensed
(incl. Texas)
(incl. Texas)
Why Use a Mortgage Broker in Houston
Houston is Texas' largest city and one of America's most diverse mortgage markets. TX baseline conforming ($832,750). Energy-industry self-employed Bank Statement loans are common; flood-zone underwriting matters; strong investor DSCR activity.
Local TX Knowledge
Harris County conforming limits, Texas-specific programs (DPA, USDA where applicable), and lender preferences for local property types.
20+ Wholesale Lenders
We shop your specific file across 20+ wholesale lenders to find the lowest rate that actually closes — not a teaser quote.
24-Hour Pre-Approval
Real pre-approval letter in 24 hours so you can submit competitive offers in the Houston market without delay.
Loan Programs Available in Houston
Every loan type used in the Houston, TX market — we match your file to the lender and program with the best pricing for your scenario.
Conventional
Standard Fannie/Freddie loans for buyers with 3-20% down and 620+ FICO.
Learn more →Non-QM
Bank Statement, DSCR, ITIN, and other alternative-doc programs.
Learn more →FHA
3.5% down with 580+ FICO. Strong choice for first-time buyers.
Learn more →VA
Zero down for veterans and active-duty service members. No PMI ever.
Learn more →DSCR Investor
Qualify rental properties on rent vs. payment. No tax returns.
Learn more →
Free · 24-Hour Turnaround
Get Your Houston Mortgage Quote
A licensed Texas loan specialist will call within 24 hours with rate pricing matched to your file. No credit pull on the first call.
Got it. We’ll be in touch within 24 hours.
A Texas loan specialist will call you with pricing matched to your file.
☎ (877) 870-0007The Houston Pre-Approval Process
Three steps to pre-approved and offer-ready.
1
Quote Request
Free analysis. No credit pull on the first call. We confirm your Houston scenario and target rate.
2
Pre-Approval
24-hour turnaround with a real pre-approval letter you can submit with offers in the Houston market.
3
Close in 21-30 Days
Standard close timing for most Houston purchase loans. Refi typically 21-35 days.
Houston Mortgage FAQ
What's the 2026 conforming loan limit in
Houston is in Harris County, which falls under the Baseline conforming tier at $832,750. Loans above that amount are jumbo and priced separately by wholesale lenders.
Is OnPoint Mortgage Pro licensed in
Yes. OnPoint Mortgage Pro is licensed in 9 states including Texas. Our NMLS ID is #2134550. We close loans in Houston and across the entire state.
How fast can I close a mortgage in
Purchase loans in Houston typically close in 21-30 days. Refinances (especially FHA Streamline and VA IRRRL) close in 14-21 days. We coordinate with Houston-area title companies and appraisers to keep timelines tight.
Do you offer VA loans in
Yes. We close VA loans across Texas for active-duty service members, veterans, and surviving spouses. See our VA loan guide for current rates, eligibility, and the IRRRL streamline refinance program.
What's the minimum down payment for a Houston mortgage?
VA: 0% down for eligible veterans. FHA: 3.5% with 580+ FICO. Conventional: 3% for first-time buyers, 5% standard. Non-QM and DSCR programs vary. We model all options at quote time for your Houston scenario.
Get Your Houston Mortgage Quote in 24 Hours
Free analysis from a licensed Texas mortgage specialist. No credit pull on the first call. Rate comparison from 20+ wholesale lenders.
☎ (877) 870-0007Mon-Fri 8am-7pm PT · Sat 9am-3pm PT · Licensed in 9 states · NMLS #2134550
Terms & Conditions: Houston mortgage rates and program availability shown are illustrative. Actual rate depends on credit profile, debt-to-income, property type, occupancy, loan amount, and current market conditions at lock time. Houston is in Harris County, Texas, with a 2026 conforming loan limit of $832,750 (Baseline). Loans above that are jumbo and priced separately. Subject to credit and program approval. OnPoint Mortgage Pro is a licensed mortgage broker; NMLS #2134550. Equal Housing Lender.