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 negotiating terms.Our commitment to accessibility includes competitive interest rates, flexible credit requirements, and streamlined refinancing options. As an Equal Housing Lender, we adhere to strict compliance standards while providing education on loan benefits like no down payment requirements and reduced closing costs. Our dual expertise in construction and conventional lending positions us to deliver comprehensive mortgage solutions across Texas and beyond.
Services
VA Loans
FHA Loans
Conventional Loans
USDA Loans
Jumbo Loans
Construction Loans
Renovation Loans
HomeStyle
203K Limited
203K Standard
Highlights and features
- We offer 18 years of specialized expertise in government construction loans
- Our team provides personalized mortgage solutions tailored to client needs
- We maintain nationwide construction loan program accessibility
- Our dual role ensures policy compliance with client-focused lending
- We guarantee transparent guidance through every mortgage process stage
What people say
Efficient and timely responses
Went above and beyond
Blessed with this experience
Personalized solutions
Streamlined process
Services
VA Loans
VA loans provide mortgage solutions for veterans and active-duty personnel with no down payment requirements. These government-backed loans offer competitive interest rates, reduced closing costs, and flexible credit requirements. Our team specializes in streamlining VA loan processes for eligible borrowers seeking homeownership benefits.
Construction Loans
Our One-Time Close Construction-to-Permanent Loans combine land purchase and home construction into single financing solutions. Available through FHA, VA, USDA, and conventional programs, these loans feature deferred payments until construction completion and simplified post-construction qualification processes for new home builders.
FHA Loans
FHA loans require only 3.5% down payment with flexible credit score requirements starting at 620. We facilitate FHA 203(k) renovation programs for property improvements and standard FHA purchases, ensuring accessible homeownership options for first-time buyers and those with limited savings.
Renovation Loans
We offer Fannie Mae HomeStyle and FHA 203(k) renovation loans for home upgrades. These programs allow financing of cosmetic repairs and major structural improvements up to 95% LTV, enabling homeowners to enhance property value without upfront out-of-pocket expenses.
USDA Loans
USDA loans provide 0% down payment options for eligible rural property purchases. Our specialists guide borrowers through USDA eligibility requirements and property location restrictions, offering competitive financing solutions for qualified applicants seeking affordable homeownership opportunities.
People
Austin McKnight
Branch Manager / National Construction Administrator
With 18 years in mortgage finance, Austin specializes in government construction loans while overseeing national programs. His dual role combines policy implementation with client-focused lending to deliver personalized homeownership solutions.
Questions
What loan programs do you offer?
We provide VA, FHA, USDA, conventional, jumbo, construction, and renovation loan programs with tailored solutions for various homeowner needs.
Can I build a custom home with a construction loan?
Yes, our One-Time Close Construction loans allow building site-built, modular, or manufactured homes with combined financing for land and construction.
Do you offer renovation financing options?
We offer Fannie Mae HomeStyle and FHA 203(k) renovation loans for cosmetic repairs and major home improvements up to 95% LTV.
What are VA loan benefits?
VA loans offer no down payment, no PMI, competitive rates, flexible credit requirements, and streamlined refinancing options for eligible veterans and service members.
How does the construction loan process work?
Our construction loans feature deferred payments until completion, single-close convenience, and builder payment schedules based on construction milestones.
