Business Details
Your Trusted Mortgage Partner in Cypress, TX
C&T Mortgage has been dedicated to helping individuals achieve homeownership and financial goals through personalized mortgage solutions. With over two decades of experience in the industry, our team specializes in a comprehensive range of loan programs, including VA, FHA, USDA, Conventional, and Jumbo loans, tailored to meet the unique needs of Texas residents. Our commitment to excellence is reflected in our recognition as Best Mortgage Company in CY-Fair by Living Magazine for nine consecutive years and receiving the Better Business Bureau's Award of Excellence.We prioritize transparency, offering weekly updates throughout the lending process and leveraging advanced financial tools to empower informed decision-making. Our founder, Mark Hammond, brings a legacy of service excellence, having started his career in 1999 and consistently delivering top-tier customer satisfaction through responsive communication and competitive rates.
Services
Home Purchase Loans
Refinancing
VA Loans
FHA Loans
USDA Loans
Conventional Loans
Home Equity Loans
Jumbo Loans
Cash-Out Refinance
Streamline Refinance
Highlights and features
- We offer 20+ years of mortgage expertise with personalized loan solutions.
- Our team provides 24/7 online access and evening/weekend availability.
- We guarantee weekly loan process updates for complete transparency.
- Our proprietary financial tools enable data-driven mortgage decisions.
- Recognized as CY-Fair's Best Mortgage Company for 9 consecutive years.
What people say
Seamless process
Competitive rates
24/7 availability
Expert guidance
Timely closings
Services
Home Purchase Loans
We offer comprehensive home purchase loan programs including VA, FHA, USDA, and conventional options. Our expert team guides Texas buyers through the entire process, ensuring competitive rates and personalized solutions. With specialized knowledge of local markets and flexible down payment options, we help first-time and repeat buyers achieve homeownership while maintaining strict compliance with all regulatory standards.
Refinancing
Our refinancing solutions help homeowners reduce monthly payments, shorten loan terms, or access home equity. We specialize in streamline refinance programs for VA, FHA, and USDA loans, along with conventional and jumbo refinance options. The team provides detailed rate comparisons and closing cost analyses to maximize client savings while maintaining the same exceptional service standards that have earned multiple industry awards.
VA Loans
As a veteran-focused lender, we offer specialized VA loan programs with zero down payment requirements and competitive rates. Our dedicated specialists understand military service members' unique needs, providing personalized guidance through the VA loan process. We maintain deep expertise in VA-specific documentation requirements and work closely with the Texas Veterans Land Board to ensure smooth transactions for eligible service members and their families.
Home Equity Loans
We provide home equity loans and lines of credit to help Texas homeowners access their property's value for major expenses. Our flexible terms and competitive rates apply to both fixed-rate equity loans and adjustable-rate HELOCs. The team conducts thorough eligibility assessments while maintaining strict risk management protocols, ensuring responsible lending practices that align with each client's financial situation and long-term goals.
Online Mortgage Tools
Our digital platform offers 24/7 access to mortgage calculators, rate comparisons, and secure application portals. Clients can track loan progress, upload documents, and communicate with their loan officer through encrypted channels. The system integrates with major credit reporting agencies for real-time eligibility assessments while maintaining full compliance with data privacy regulations and industry security standards.
People
Mark Hammond
Loan Officer
With over 20 years of mortgage industry experience, Mark Hammond founded C&T Mortgage to provide personalized lending solutions. A three-time Lending Tree Gold Leaf Award winner, he specializes in Texas mortgage programs and has helped thousands achieve homeownership. Mark maintains NMLS certification #287662 and actively participates in continuing education to stay current with evolving lending regulations and market conditions.
Questions
What loan programs do you offer?
We offer VA, FHA, USDA, Conventional, Jumbo, and Home Equity loans with competitive rates for Texas residents.
Can I apply online?
Yes, our secure online portal allows 24/7 application submission and document upload with real-time status tracking.
Do you work with first-time homebuyers?
Absolutely. We specialize in first-time buyer programs with low down payment options and personalized guidance.
How are your closing timelines?
Most transactions close within 30-45 days, with expedited options available for qualified borrowers.
Do you offer refinancing options?
Yes, we provide cash-out refinance, rate-term refinance, and streamline options for VA/FHA/USDA loans.
Are your rates competitive?
We guarantee competitive pricing through multiple lender partnerships while maintaining personalized service standards.
