If you are in Houston and in the market for a new home, we are your number one resource for all of your mortgage lender needs. We are a complete, full-service Houston mortgage company. Dedicated to finding you the best possible rates, with outstanding customer service. In Houston TX trust the Paul Mitchell Mortgage team for all of your Houston home loans.

Our experience allows us to understand the complexities of the market in Houston, which is why we will do everything in our power to get you into your dream home. Whether you are a first-time buyer or a seasoned investor, we can help!

We have been in business for over 26 years and currently serve Houston and surrounding cities. While working with several different lenders to get you competitive rates which means that no matter what kind of home loans you need.

Additionally by partnering with many financial institutions we can locate the best loan program for you. Sometimes that is a local lender, sometimes it’s a national one. But we will compete lender fees and loan estimates so that no matter the financial institution you win.

Mortgage Broker

A mortgage broker helps people find the best mortgage lender. They find out what kind of loan that person should have, and then help them negotiate among mortgage lenders. Think of a mortgage broker as your guide through the world of mortgages. They have the knowledge and experience to help you make the best decision for your needs. They will help you get pre qualified, and pre approval.

We Negotiate for you

Our experienced team will help you negotiate. We have helped hundreds make home purchases and are experts at finding Houston mortgage lenders.

Mortgage lender

Mortgage lenders come in many sizes. From local to national. In Houston and the surrounding areas, trust us to find you the best Houston mortgage lender. From Credit unions to banks, and even private lenders. We have the experience to get you a solution.

Mortgage Loan

There are several loan types. Your Loan officer can help you understand what you can qualify for. And help you to understand what kind of mortgage rates you can expect.

They can help you

Conventional loan

This is the traditional method of financing. Usually requires 15-25% down payment, have good to excellent credit history. Rates depend on your credit score and loan amount.

Most often these come with a fixed rate. So over time your payment never changes.

Conventional loans are the most popular and are available to 85 percent of all borrowers. They are often referred to as “regular” conventional loans.

VA Loan

FHA VA loans are generally available to 100 percent disabled service members, certain veterans, and the spouses of service members. An FHA VA loan may also be available if you are a veteran who received a discharge due to circumstances other than willful misconduct.

A VA loan is backed by the Department of Veterans Affairs, which means you can qualify for financing without putting down any money at all.

FHA loans are insured by the Federal Housing Administration (FHA). This means that if you default, the FHA VA will pay the lender the outstanding balance of your loan

USDA Loan

A USDA loan is a mortgage that is insured by the United States Department of Agriculture (USDA). This means that if you default on your loan, the USDA will pay the lender the outstanding balance of your loan.

This type of loan is available to borrowers who meet certain income requirements. You may be eligible for a USDA loan if you live in an eligible area.

Refinance

Sometimes these are called home equity loans instead.

A refinance loan allows you to borrow more money than you currently owe on your mortgage and receive a new mortgage with a new interest rate. This can be helpful if you want to lower your monthly payments, take cash out for a large purchase, or switch from an adjustable-rate mortgage to a fixed-rate mortgage.

This allows you to borrow money from a lender against real estate and property rather than on your personal credit rating.

The borrower must be either a Texas resident or use a designated property as their primary residence.

If you are interested in a mortgage to refinance, today’s rates are near all-time lows. There is a good chance that we can secure a new lower payment in 30 days or less.

Home Improvement

A home improvement loan is a type of loan that can be used to finance home improvements. These loans can be used to finance a wide variety of home improvements.

Jumbo loans

A jumbo loan is a mortgage that is larger than the typical loan amount. Jumbo loans are available for borrowers who want to finance a home purchase or refinance a mortgage. These loans are available in a variety of terms and can be used to finance a wide variety of homes.

Get Preapproval

Getting preapproval is the first step in the entire process. This will help you know what you can afford. And help you understand what low mortgage rates you can lock-in.

Get a quote

A mortgage loan quote is a document that outlines the terms and conditions of a proposed mortgage loan. This document includes information about the loan amount, interest rates, and other important terms and conditions. Usually, these are summarized as closing costs.

This will also include requirements such as mortgage insurance. The costs can vary based on certain factors. Such as credit profile, and outstanding debts like student loans.

Common Questions

What is the average mortgage rate in Houston Texas?

The average mortgage rate in Houston Texas is 3.97%. According to the Mortgage Rate Housing Market Index.

Since current rates are lower than this, now is a good time to purchase or refinance.

Are bank statement mortgages legit?

Bank statement loans are a type of mortgage that lenders can issue based on personal information and bank statements rather than tax returns and employer verification. They can be a good option if you work for yourself, own a business, or don’t have a steady income.

Houston mortgage loans?

Houston mortgage loans are available in a variety of terms and can be used to finance a wide variety of homes. These loans are available to borrowers who meet certain income requirements and can be used for a variety of home improvements.

Mortgage Broker?

Paul Mitchell Mortgage is your Houston mortgage company. We have over 26 years’ experience and low fees. We are licensed professionals and can help you make solid financial decisions. Trust our expertise for your loan products. We offer many loan programs and can even help find payment assistance programs. Trust us to guide you through the loan process and negotiate competitive rates.