Business Details
Your Trusted Mortgage Partner in Houston, TX
With over 18 years of expertise in mortgage finance, we specialize in government construction loans including FHA, VA, and USDA programs. As the National Construction Administrator for Primary Residential Mortgage, we oversee nationwide construction loan programs while serving as Branch Manager, combining policy implementation with client-focused lending. Our team is dedicated to helping individuals and families achieve homeownership through personalized solutions tailored to their unique needs.We prioritize borrower involvement throughout the mortgage process, offering transparent guidance on loan programs and terms. Our commitment to excellence extends to streamlined refinancing options, competitive interest rates, and flexible credit requirements designed to make homeownership accessible. Backed by industry-leading knowledge and a client-centric approach, we provide comprehensive support for first-time homebuyers and experienced homeowners alike.
Services
VA Loans
FHA Loans
Conventional Loans
USDA Loans
Jumbo Loans
Construction Loans
Renovation Loans
Refinancing Services
Home Equity Lines
Credit Counseling
Highlights and features
- We offer 18+ years of specialized mortgage finance expertise
- Our team provides personalized loan solutions for unique financial situations
- We streamline complex construction and renovation loan processes
- We maintain flexible credit requirements for government-backed loans
- Our clients receive nationwide mortgage program access with local service
Associations and certifications
- NMLS# 1161933
- Texas Department of Savings and Mortgage Lending
What people say
Timely responses
Personalized service
Expert guidance
First-time buyer support
Efficient process
Services
VA Loans
VA Loans provide military veterans with zero-down payment options and competitive rates. These government-backed mortgages eliminate private mortgage insurance requirements while offering flexible credit standards. Our team specializes in streamlining VA loan processes for active-duty personnel and veterans seeking primary residences.
FHA Loans
FHA Loans require only 3.5% down payments with lenient credit score requirements. We facilitate FHA 203(k) renovation programs and standard purchase loans. Our experts guide borrowers through the appraisal process and property requirement compliance for first-time homebuyers.
Construction Loans
Our One-Time Close Construction Loans combine land purchase and home building into single financing solutions. With options for VA, FHA, USDA, and conventional programs, we offer draw schedules and builder coordination. No payments are due until construction completion.
Renovation Loans
Fannie Mae HomeStyle and FHA 203(k) programs finance property upgrades. We handle cosmetic repairs to major renovations, including structural improvements. Our process integrates renovation costs with purchase or refinance transactions for seamless funding.
Jumbo Loans
Jumbo Loans exceed conventional loan limits for premium properties. We provide competitive rates for high-value home purchases with tailored underwriting standards. Our specialists assist clients in navigating the documentation requirements for luxury real estate financing.
People
Austin McKnight
Branch Manager & National Construction Administrator
With 18+ years in mortgage finance, Austin specializes in government construction loans. He oversees national construction programs while managing client relationships in Houston. His dual role combines policy expertise with hands-on lending experience.
Questions
What loan programs do you offer?
We provide VA, FHA, USDA, Conventional, Jumbo, Construction, and Renovation loans with flexible terms for various credit profiles.
Can I build a home with no down payment?
Yes, VA and USDA loans offer zero-down payment options for qualified borrowers purchasing or constructing primary residences.
Do you offer renovation financing?
Yes, we offer Fannie Mae HomeStyle and FHA 203(k) loans that finance property purchases plus renovation costs.
What credit score is required?
Minimum 620 for government loans, 700 for conventional. We consider compensating factors for borderline cases.
How does construction loan funding work?
Our One-Time Close loans use a draw schedule based on construction progress, with payments starting after project completion.
