Talk To A Live Loan Officer Group 914 (888) 505-1718

Texas United Mortgage,
A Texas FHA Loans Company

Buying or refinancing? Start your quote below
New Home Loans New Home Loans New Home Loans
Texas Mortgage Refinance Experts Texas Mortgage Refinance Experts Texas Mortgage Refinance Experts
Texas Conventional Home Loans Texas Conventional Home Loans Texas Conventional Home Loans
Texas FHA Loans Texas FHA Loans Texas FHA Loans
Texas VA Loans Texas VA Loans Texas VA Loans
Texas USDA Loans Texas USDA Loans Texas USDA Loans
Down Payment Assistance Programs Down Payment Assistance Programs Down Payment Assistance Programs
Texas Jumbo Loans Texas Jumbo Loans Texas Jumbo Loans

We Specialize In Home Loan Mortgages

  • Owner Occupied, Vacation Homes and Rental Property Purchases
  • Conventional Loans (30 Year, 15 Year, 10 Year, Customized Term Options)
  • Government Loans (FHA, VA, USDA)
New Home Loans

Refinance And Save Thousands In Interest!

  • Lower Your Monthly Payment
  • Pay Off Your Loan Faster
  • Cash Out Options To Pay Off Other High Interest Rate Debts
  • FHA Streamline and VA IRRL Options
Texas Mortgage Refinance Experts

Conventional Loan Advantages

  • Primary, Vacation Homes And Rental Properties
  • As Low As 3% Down Payment
  • Minimum Credit Score 620
  • Low Or No Mortgage Insurance Options
Texas Conventional Home Loans

Advantages of FHA Loans

  • Credit Scores As Low As 560
  • Down Payment Assistance Programs Available
  • First Time Homebuyers
  • 3.5% Minimum Down Payment
Texas FHA Loans

Advantages of VA Loans

  • 0% Down Payment Required
  • No Monthly Mortgage Insurance Required
  • Easier To Qualify With Lower Income
  • Low Rates, Low Fees!
Texas VA Loans

Advantages of USDA Loans

  • 0% Down Payment
  • Low Mortgage Insurance
  • Closings Costs Assistance Available
  • Low Fixed Rates, Low Fees!
Texas USDA Loans

Assistance Available To You

  • Minimum Credit Score 620
  • Assistance Provided As A Grant (Never Has To Be Repayed)
  • Not Required To Be First Time Homebuyer
  • Get Up To 5% For Down Payment Or Closing Costs
Down Payment Assistance Programs

Advantages of Jumbo Loan

  • Owner Occupied and Vacation Homes
  • As Low As 10% Down
  • Borrow More Money For High Cost Homes
  • Minimum Credit Score of 700
Texas Jumbo Loans

Today's Mortgage Rates for 9.9.2023

Conventional 15 Yr.
5.879 %
Conventional 15 Yr.
5.879 %
Conventional 15 Yr.
5.879 %
Conventional 15 Yr.
5.879 %
Rates as ofSeptember, 9 2023
Get your rate today, no SSN needed. We'll give you a no
-haggle, low rate quote with fast response times and friendly
service.

Today's Mortgage Rates for
4.6.2025

Conventional 15 Yr.

5.375
%

APR 5.569%
Conventional 30 Yr.

5.999
%

APR 6.112%
FHA 30 Yr.

5.625
%

APR 6.415%
VA 30 Yr. Fixed

5.625
%

APR 5.717%
Rates as of
April, 6 2025
See Rate Assumptions
Get your rate today! We'll give you a no-haggle, low rate quote with fast response times and friendly service.

Rate Table Assumptions

Mortgage rates change with market conditions.  They can only be guaranteed when they are locked in with an application.  The rates may vary based on credit score, loan amount, and other factors. 

Loan amounts greater than $475,000. FICO credit score greater than 780 or higher.  Owner Occupied

30 Conventional Year Fixed - $475,000 or greater . LTV 75.0%. 1 % Point Charged First time Home Buyer. 

15 Year Fixed - $475,000 or greater. LTV 75%. 1 Point Charged.

30 Year Jumbo Loan - $800,000 or greater. LTV 75.0%. 1 Point. 

30 Year FHA Loan - $475,000. LTV 96.5%. 1 Point charged

30 Year VA Loan - $475,000. 100.0% 1 Point.

Your Mortgage Lenders In Texas

Buying a home is one the biggest decisions people will make

So, we bring a personal touch to our service. In fast-paced Houston and across Texas, our local experts move quickly to help you close on time when you are buying your home. With access to the latest rates and best loan products, our loan officers work closely with you to tailor-make the mortgage that fits your life.

For refinances, we offer a wide range of refinance options and we’ll help you cash out or get a better team.

Most importantly, we make the process easy, and painless. We’re accessible – even at weird hours – to make sure your loan for your new Texas home closes on time.

That’s why so many clients rate us as the best Texas mortgage company, for our outstanding service and expert help.

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1,122

Customer Reviews

4.9 out of 1122 reviews
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.
1
Mayra Peniche
Richard was amazing to work with. He keps me informed thoughout the transaction. He was always available when I needed to ask a question or needed help with something. I would love to work again with Richard in the future1
2
Debbie Luna
A team of approachable professionals! We received weekly updates, and their execution in keeping us on track for closing was outstanding!
3
Kimberly Ingles
Nichole Walker made my home buying process an ease. She went out of her way to make sure that I had everything I needed lined up and answer any and all questions that I had. I highly recommend working with her. She is professional and super friendly and easy to work with. Thank you for all of your help Nichole!!
4
David Mickley
Reef, Richard and his team were fantastic in working with my clients while being transparent and efficient. I will be recommending the team at Texas United Mortgage to any homebuyers in the area!
5
Tabitha Cole
I am a first time buyer and I was directed to Reef, Joy and Richard by my realtor Kay Harris. When I say there is not a better team to get the job done, I mean it’s not. I went to others which made me have trust issues with everyone. This team went on my schedule and went out there way to make sure every move was comfortable for me! It’s not a better team you will find trust me I went through a lot from other companies. Thanks so much for impacting my life in a positive light
6
Timmy Miller
Reef helped me along the way and kept me informed throughout the process.
7
Clarisse Piczon
Daniel and his team were a pleasure to work with in getting our first home in San Antonio! Daniel and his team are very professional, responsive, and knowledgable. Would highly recommend!
8
Rhett Burk
Reef, Claudia and Scott were great help! Dealing with the VA Loan process, Sellers Market and separation from the service all at once, was rather difficult. We didn't give the much to work with in regards of time or money. However, they kept it moving forward, worked with what we had and made it happen. Great work ethic across the board. Good folks and I greatly appreciate their services!
9
Mike Jacob
Fantastic business, helpful, knowledgeable, and responsive. Reef really listens.
10
Kendra Gutierrez
Daniel and the team were extremely helpful when it came time for my husband and I to purchase our first home. This team made the process smooth and informative which is helpful to first time home buyers.

Customers Love Us. Latest Reviews

The communication and the people who helped me with everything I needed or any questions I had. Over all, great team

Travis D M   |   October 22nd, 2021

Very informative about the whole process. Thank you for working with the Homes for Heroes program!

Ricky M   |   October 19th, 2021

Kelli was AMAZING from beginning to end. She was so informative and explained every step to me. I appreciate how detailed she was. She was the BEST!!

Lanie M L   |   October 12th, 2021

It’s simple.

Low Rates, Fast Closings

Whether you’re looking to get a home loan for a new home in Houston, Texas, or you need to refinance a home in Texas, our Texas mortgage company keep things real simple by getting you the lowest rates, and the fastest closings.

How we do this?

By building on our teams’ combined decades of local, Houston and Texas experience, we know the ins and outs in the lone star state.

And saving money goes beyond the on-paper low rate. Sometimes, doing so won’t save you money, so we coach you on the best option for your life plans.

Your no-obligation and no-cost consultation is waiting for you.
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Customers love our people

Call us today at (888) 505-1718

Reef Merhi

NMLS 878539 | Branch Manager | Sr. Loan Officer
View Bio

Scott Foster

NMLS 1591277 Operations Manager | Sr. Loan Officer
View Bio

Claudia Seybold

Executive Administrative Assistant | Coordinator
View Bio

Richard Haskell

NML 347730 | Sr. Loan Officer | Manager
View Bio

Joy McClellan

Sr. Loan Processor
View Bio

Texas Mortgage Company
Local First

Purchasing or refinancing a home doesn’t have to be overwhelming

At our Texas mortgage company, we make everything easy to understand and clearly communicate with you throughout the process.

We can also move fast — mortgage rates change daily, so we’re always ready to act when the numbers are right.

Depositphotos_328146082_xl-2015-02

Learn More About Mortgages

Keep reading our latest articles for tips and information that you can use today to be a better informed home buyer.

What Are Mortgage Interest Rates Going to be Today in Texas?

September 6, 2024 | By Reef Merhi
A lot of people think rates change right after big news events or Federal Reserve meetings, but the truth is, banks usually adjust the rates ahead of time based on their predictions or 'bets' about...

Prevent Frozen Pipes: Essential Tips to Safeguard Your Plumbing

January 15, 2024 | By Reef Merhi
Learn how to protect your home from frozen pipes and avoid costly plumbing repairs during the winter season.

Mortgage Rates Remain Stable at 2-Month Lows Ahead of December Data

November 28, 2023 | By Shoshana Simones
In the world of real estate and home buying, the month of November has been marked by an unusual and relatively prolonged period of stability in mortgage rates. Over the past week, these rates have...
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Free Resources

The Definitive Home Buying Cost Worksheet

Buying your first home starts with a good budget! However, understanding all of the factors that go into the “true” cost of a home can be challenging without the right resource.

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