Business Details
28 Years
experience
Your Trusted Mortgage Partner in Houston, TX
Secure Mortgage Company has served Houston, Texas since 1998, establishing itself as a trusted leader in residential mortgage lending. Our 25+ years of industry experience enable us to navigate market fluctuations while maintaining competitive low rates through wholesale lending partnerships. We specialize in tailored loan solutions, offering conventional mortgages, FHA/VA programs, jumbo loans, and non-QM financing for diverse borrower profiles including first-time buyers, investors, and military veterans.Our family-owned business combines local expertise with corporate resources, maintaining personalized service through direct access to dedicated loan officers. Licensed in Texas, Colorado, Florida, and Washington, we provide comprehensive guidance from pre-approval through post-closing support, ensuring clients receive mortgage solutions aligned with their unique financial circumstances.
Services
Mortgage Loans
FHA Loans
VA Loans
Jumbo Loans
Refinancing
Details
- Year established: 1998
Highlights and features
- We offer 25+ years of mortgage industry expertise with proven market stability
- Our wholesale lending partnerships provide access to competitive interest rates
- We specialize in flexible lending criteria for non-traditional borrowers
- We offer specialized loan programs for unique financial situations
- Our dedicated loan officers provide personalized guidance throughout the process
Services
Mortgage Loans
Secure Mortgage Company provides comprehensive mortgage loan solutions tailored to individual financial situations. Our experienced loan officers help clients navigate conventional financing options while maintaining competitive rates through wholesale lending partnerships. We specialize in matching borrowers with appropriate loan programs based on credit profiles, down payment capabilities, and long-term financial goals.
FHA Loans
Our FHA loan program assists borrowers with lower credit scores and minimal down payments. These HUD-insured mortgages make homeownership accessible to first-time buyers and those rebuilding financial stability while maintaining favorable terms and flexible qualification requirements.
VA Loans
We specialize in VA loan programs for eligible military veterans and active-duty personnel. These zero-down payment mortgages offer competitive rates and special benefits for qualified applicants purchasing primary residences or investment properties.
Jumbo Loans
Our jumbo loan program finances high-value properties exceeding conventional loan limits. These specialized mortgages cater to luxury home buyers in competitive markets with tailored underwriting and flexible documentation requirements for qualified borrowers.
Refinancing
We offer mortgage refinancing options to help homeowners reduce monthly payments, switch loan types, or access home equity. Our team evaluates current market conditions and client financial situations to determine optimal refinancing strategies for long-term savings.
People
Manoj Bhatia
President
University of Houston graduate with 25+ years real estate experience. Specializes in loan origination, underwriting processes, and mortgage regulatory compliance. Leads strategic initiatives and investor relationships.
Tien Tran
Vice President
Real estate expert with 19 years investment property experience. Specializes in commercial projects, short-term rentals, and residential financing strategies. Focuses on growth and value creation opportunities.
Thomas Stubblefield
Loan Officer
Experienced mortgage professional specializing in conventional, FHA, VA, and jumbo loans. Serves first-time buyers, investors, and military veterans with personalized financing solutions.
Robin Mattern
Loan Originator
20+ year mortgage industry veteran with expertise in residential loan programs. Focuses on detailed client guidance and tailored financial solutions for Houston area homebuyers.
Chris Nguyen
Loan Officer
Dedicated mortgage professional offering diverse loan products for first-time buyers, investors, and refinancing clients. Committed to finding optimal financing solutions for individual needs.
Questions
What mortgage loan types do you offer?
We provide conventional mortgages, FHA loans, VA loans, jumbo loans, and non-QM financing options tailored to first-time buyers, investors, and military veterans.
How does the pre-approval process work?
Our pre-approval evaluates your financial situation to determine loan eligibility, helping you understand budget limits and strengthening purchase offers with sellers.
Do you offer specialized mortgage programs?
Yes, we provide niche programs for alternative income documentation, low credit scores, bank statement verification, and renovation financing to accommodate unique borrower needs.
Can I refinance my existing mortgage?
We offer refinance options to help homeowners access lower rates, switch loan types, consolidate debt, or tap into home equity for financial improvement.
Reviews (6)
Kristin Berry
Sep 25, 2021
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James Koss at Secure Mortgage is THE BEST lender I have ever worked with during my 15 years in real estate and Im a bit embarrassed I havent written him a review before now. He is the most hard working person I may have ever encountered in business. We have closed many client transactions together and he has helped me with my personal ones as well. If youre looking for someone honest and upfront to have an actual conversation with you about your mortgage needs, he is your guy. I trust him 100% and he has NEVER let me down on any transaction. Ever. Its easy to be good at your job when
A. R.
Apr 13, 2021
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This review is for the totally unprofessional conduct of Arun (Stanley Mani realty) at secure Mortgage. Been trying to get a refinance through him for months and he keeps giving me the run around. I can't leave messages on his phone line cause mail box is always full. Didn't they teach him how to access his mail? No email response either. He is always out of the office and also don't bother leaving your phone number cause he won't call you back. I gave them all the documents they needed and still excuses after excuses. It didn't take this long when I got a mortgage from them in the first place
Krunalkumar Patel
May 30, 2020
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Usually I do not write the review but this time I am because I got charged unnecessary during closing my home loan 2018. I just refinanced the loan again and found out that INC. robbed/cheated me. I got a loan from this INC via Manoj Bhatia in 2018.I was purchasing a house for the first time and this Manoj guy took full advantage of me in the very competitive Seattle real estate market.In close cost statement there are following charges which supposed not charge plus there is no lender credit included Admin free, document preparation beside other regular fee(Escrow, title fee etc) .Some wording
L. Bull
Nov 25, 2018
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I recommend Secure Mortgage Company. Joseph and the team are very hands on and supportive with ensuring the best rates and mortgage company financing for your home. I always felt they had my best interests at hand. As a first time homeowner, I felt supported every step of the way.
Debbie Tyler-Dillard
Oct 26, 2018
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They are a knowledge-based team of experts. I had the pleasure of working with team member Joseph Walker and there are 3 words that describe the service I received from him: professional, courteous, and caring. I purchased my home about one year ago, and Secure Mortgage Co. made the transition to home ownership very smooth and hassle-free. I highly recommend their services!
Chris Cooper
Aug 23, 2018
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Mr. Joseph Walker was a great help to me and my wife during our home purchasing process. He took the necessary steps to explain everything and answered or returned my calls whenever I had questions. I would highly recommend him and his company to anyone.
