Business Details
Your Trusted Mortgage Partner in Houston, TX
Main Street Mortgage has established itself as a trusted mortgage banking partner in Houston, Texas. With deep expertise in Conventional, Jumbo, and specialized home loans, we serve clients across Texas through purchase, refinance, and construction financing solutions. Our hybrid approach combines human-driven insights with technical efficiency to deliver faster loan processing and cost savings. We specialize in tailored mortgage products for self-employed and retired borrowers, including One-Time Close Construction-Permanent Loans and Purchase Plus Improvement Loans. Our team's extensive industry experience enables us to provide personalized guidance through complex mortgage scenarios.We maintain strong relationships with reputable mortgage companies to ensure competitive rate offerings. Our commitment to transparency and client education empowers borrowers to make informed financial decisions. As a locally-focused operation with statewide reach, we combine community knowledge with broad market expertise. Our NMLS-registered professionals prioritize client satisfaction through responsive service and clear communication. Backed by proven processes and regulatory compliance, we aim to make homeownership accessible and sustainable for Texas residents.
Services
Conventional Loans
Jumbo Loans
Home Equity Solutions
Construction Financing
Purchase Plus Improvement Loans
Physician Loans
One-Time Close Loans
Refinance Services
Fixed Rate Mortgages
Adjustable Rate Mortgages
Highlights and features
- We offer specialized mortgage products for unique borrower situations
- Our hybrid lending model combines expert guidance with efficient technology
- We maintain strong relationships with multiple mortgage lenders
- Our team provides personalized guidance through complex mortgage scenarios
- We deliver competitive rate offerings with transparent communication
Associations and certifications
- NMLS 296814
What people say
Smooth closing process
Dedicated support
Responsive communication
Personalized guidance
Professional expertise
Services
Conventional Loans
Our conventional loan program offers fixed and adjustable rate options for primary residences, second homes, and investment properties. With competitive rates and flexible qualification criteria, these loans provide reliable financing solutions for borrowers with strong credit profiles. Our experienced team guides clients through the application process to ensure optimal loan terms.
Jumbo Loans
Jumbo loan solutions provide financing for high-value properties exceeding standard loan limits. We offer customized terms and competitive rates for luxury home purchases or refinancing. Our specialists help navigate the unique qualification requirements for these non-conforming loans while maintaining transparent communication throughout the process.
Home Equity Solutions
We provide home equity loans and lines of credit to help homeowners leverage their property's value. These solutions support renovations, debt consolidation, or major expenses with flexible repayment options. Our advisors help determine the most appropriate equity financing strategy based on individual financial circumstances and long-term goals.
Construction Financing
Our One-Time Close Construction-Permanent Loan program simplifies the building process with a single loan covering both construction and permanent financing. This solution offers cost savings and reduced paperwork for custom home builders. Our team coordinates with contractors and monitors project progress to ensure smooth fund disbursement.
Purchase Plus Improvement Loans
This specialized program combines home purchase and renovation costs into a single mortgage. Ideal for fixer-upper properties, it provides funding for both acquisition and improvements. Our underwriters evaluate the property's potential value after renovations to determine appropriate loan amounts while maintaining strict quality standards.
Questions
What mortgage loan types do you offer?
We provide Conventional, Jumbo, Home Equity Loans, Lines of Credit, Purchase Plus Improvement Loans, and specialized programs for physicians and self-employed borrowers.
Do you offer construction financing?
Yes, we offer One-Time Close Construction-Permanent Loans that combine building and permanent financing into a single streamlined program.
Can I get a mortgage as a self-employed borrower?
Yes, we have specialized loan programs designed to accommodate self-employed individuals with flexible documentation requirements.
What areas do you serve?
We provide mortgage services throughout the State of Texas from our Houston headquarters.
How do I start the mortgage process?
Begin by completing our online application or contacting our team directly to discuss your specific needs and receive personalized guidance.
What sets you apart from other lenders?
Our hybrid approach combines personalized service with technical efficiency, offering competitive rates and tailored solutions for unique borrower situations.
Reviews (2)
Diane Laumen
Nov 21, 2018
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Paul Smith has helped us with our mortgage and refi needs for many years. He always has been a terrific resource for questions regarding the application process and has made the experience as stressfree as possible. I would recommend him highly to anyone looking for a home loan.
Damian Katz
Nov 10, 2018
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Very helpful. I did not have to worry about a thing throughout the whole closing of my house. I would recommend them to anyone.
