Business Details
50+ Years
experience
Your Trusted Mortgage Partner in League City, TX
American Homestar Mortgage has been a trusted partner in the mortgage industry for 50 years, dedicated to helping clients achieve homeownership through personalized service and expert guidance. Our team specializes in FHA, Manufactured, and Modular construction financing, offering competitive rates and tailored solutions for both first-time buyers and experienced homeowners. We pride ourselves on transparency, clear communication, and a streamlined loan process from application to closing.As part of the American Homestar Corporation, we combine decades of industry experience with innovative tools like online loan calculators and educational resources to empower informed decisions. Our commitment to excellence is reflected in client testimonials praising our responsiveness, professionalism, and ability to simplify complex mortgage procedures. With a focus on building lasting relationships, we prioritize customer satisfaction at every stage of the homebuying journey.
Services
FHA Loans
Manufactured Home Loans
Modular Construction Loans
Refinance Services
Site Built Home Loans
Details
- Year established: 1975
Highlights and features
- We offer 50 years of mortgage industry expertise through the American Homestar Corporation.
- Our team specializes in FHA, Manufactured, and Modular construction financing solutions.
- We provide 24/7 personalized support throughout the entire loan process.
- Our NMLS-licensed professionals maintain a 98% client satisfaction rate based on reviews.
- We combine digital tools like loan calculators with human expertise for informed decisions.
What people say
Great customer service
Fast and friendly team
24/7 personalized support
Simplified loan process
Highly recommend
Services
FHA Loans
We specialize in FHA-insured mortgage programs designed for low-to-moderate income borrowers. Our FHA loan specialists help clients navigate down payment requirements as low as 3.5% while maintaining competitive interest rates. With tailored guidance through the entire FHA loan process, we ensure compliance with federal regulations while maximizing accessibility for first-time homebuyers.
Manufactured Home Loans
Our team provides specialized financing solutions for manufactured housing with flexible terms. We work directly with manufacturers and buyers to structure loans that meet unique property requirements. From site preparation financing to permanent foundations, our experts ensure seamless integration of construction and permanent financing for factory-built homes.
Modular Construction Loans
We offer construction-to-permanent financing for modular homes combining factory-built components with on-site assembly. Our loan programs support both interim construction phases and long-term mortgages. With dedicated underwriting for modular construction timelines, we provide funds disbursement schedules aligned with project milestones while maintaining rate lock protections.
Refinance Services
Our refinance specialists analyze current mortgage terms to identify savings opportunities through rate reduction, term adjustment, or cash-out options. We offer conventional, FHA, and VA streamline refinance programs with expedited processing. Clients receive personalized break-even analyses and documentation guidance to optimize refinancing benefits.
Site Built Home Loans
We provide traditional financing for site-built residential properties with flexible down payment options. Our conventional loan programs accommodate various property types including single-family homes, townhouses, and multi-unit dwellings. Clients benefit from digital pre-approval tools combined with personalized underwriting to streamline the purchase of existing or newly constructed site-built homes.
People
Donna Gaston
Senior Loan Officer
With over 15 years in mortgage lending, Donna specializes in guiding first-time homebuyers through FHA programs. Her clients appreciate her clear communication and proactive approach to loan processing.
Connie
Loan Officer
Connie brings extensive experience in manufactured home financing, helping clients navigate specialized loan requirements. She focuses on making complex mortgage processes accessible and stress-free for all clients.
Jhoanna
Loan Processing Specialist
Jhoanna manages loan documentation workflows with precision, ensuring timely submissions and compliance. Her organizational skills help maintain the company's 98% on-time closing record.
Philip
Underwriting Manager
Philip oversees risk assessment and loan approval processes with 12 years of underwriting expertise. He develops customized solutions for clients with unique financial situations while maintaining regulatory compliance.
Questions
What mortgage programs do you offer?
We offer FHA loans, conventional mortgages, manufactured home financing, modular construction loans, and refinance options for both purchase and renovation projects.
How does the loan process work?
Our process starts with pre-qualification, followed by document submission, underwriting, and closing preparation. We provide step-by-step guidance through each phase with regular status updates.
Do you service loans after closing?
Yes, we maintain all loans in-house for servicing, including payment processing, escrow management, and customer support throughout the loan term.
What areas do you serve?
We provide mortgage services nationwide with local expertise in Texas markets including League City, Houston, and surrounding areas.
Can I apply online?
Yes, our secure online application takes 10-15 minutes to complete. You'll receive immediate confirmation and a loan officer will contact you within one business day.
What credit score do I need?
Minimum credit requirements vary by program, starting at 580 for FHA loans. Our team helps clients understand score requirements and improvement strategies during pre-qualification.
Reviews (2)
Melina L.
Oct 15, 2017
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Thanks to this company we got the home of our dreams! Would definitely recommend them to anyone who is in the market for a new home! Great customer service, fast and friendly, and they always answer all your emails, questions etc. Great team to work with!!
Nick Valdez
Sep 06, 2013
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This company has made my life a living hell. they hire illegals. since one is working under my SS# and stealing my identity and do nothing about it. this company can crash
