Business Details
Your Trusted Mortgage Partner in Cypress, TX
C&T Mortgage has been dedicated to helping customers achieve homeownership dreams for over a decade, serving Texas real estate professionals, builders, and individual homebuyers. Our team specializes in a comprehensive range of mortgage products, including Government, Conventional, Fixed Rate, Adjustable Rate, and New Construction loans, with expertise in Home Equity Loans and Lines of Credit. We prioritize transparency and simplicity, offering 24/7 online access to rates, applications, and personalized support through weekend and evening availability.Our commitment to accessibility ensures all clients can navigate our services seamlessly, backed by recognition as a Better Business Bureau Award of Excellence recipient. With NMLS-certified professionals and a focus on client education, we provide weekly loan process updates and innovative financial tools to support informed decision-making.
Services
VA Loans
FHA Loans
USDA Loans
Conventional Loans
Refinancing
Home Equity Loans
Jumbo Loans
HomeReady
Home Possible
Highlights and features
- We offer over a decade of Texas mortgage lending experience
- Our team provides 24/7 online mortgage application access
- We specialize in VA, FHA, USDA, and Conventional loan programs
- Our licensed professionals handle all mortgage lending aspects
- We've received the Better Business Bureau Award of Excellence
Associations and certifications
- Better Business Bureau
What people say
Excellent service
Timely processing
Professional team
Personalized attention
Stress-free experience
Services
VA Loans
Specialized mortgage solutions for veterans and active-duty military personnel. Our VA loan program offers competitive rates with zero down payment requirements, leveraging our deep expertise in Texas military housing markets. We guide clients through the entire process from eligibility verification to closing, ensuring compliance with Department of Veterans Affairs standards while maintaining streamlined timelines for home purchase or refinance.
FHA Loans
Federal Housing Administration insured loans for first-time homebuyers and those with moderate credit histories. We offer FHA loans with low 3.5% down payments and flexible qualification criteria, combined with personalized credit counseling to help Texas borrowers achieve homeownership. Our streamlined FHA Streamline Refinance program reduces documentation requirements for existing FHA loan holders seeking better terms.
Refinancing
Comprehensive refinance solutions including rate-and-term and cash-out options. Our Texas-based team specializes in FHA, VA, USDA, and conventional streamline refinance programs, with expertise in HARP legacy loan modifications. We analyze each client's financial situation to determine optimal refinance timing, helping homeowners reduce monthly payments, access equity, or transition from adjustable to fixed-rate mortgages.
Home Equity Loans
Second mortgage products for Texas homeowners seeking to leverage property equity. We offer fixed-rate home equity loans and HELOCs (Home Equity Lines of Credit) with competitive interest rates, supporting home improvement projects, debt consolidation, or major life expenses. Our local market knowledge enables accurate property valuation assessments to maximize borrowing potential while maintaining responsible lending practices.
Jumbo Loans
Non-conforming loan solutions for high-value properties exceeding conventional loan limits. Our jumbo loan program caters to Texas luxury home buyers and investors, featuring tailored underwriting guidelines and competitive pricing despite larger loan amounts. We maintain relationships with multiple investors to secure favorable terms for clients seeking financing beyond standard conforming loan thresholds.
People
Mark Hammond Jr.
Loan Officer
With over two decades in mortgage banking since starting in 2001, Mark Hammond Jr. has built a reputation as Texas's premier mortgage advisor. A Gold Leaf Award winner for sales excellence, he specializes in guiding clients through complex loan scenarios while maintaining a personal touch. His expertise spans all mortgage products with particular focus on veteran benefits through VA loans.
Questions
What loan programs do you specialize in?
We specialize in VA, FHA, USDA, Conventional, HomeReady, Home Possible, and Jumbo loans for purchases and refinances across Texas.
Do you serve areas outside Houston?
Yes, we serve all Texas regions including San Antonio, Austin, Dallas, and border communities like Helotes and Boerne.
Can I apply for a mortgage online?
Yes, our secure online application allows 24/7 submission with real-time status updates and document upload capabilities.
Are you available evenings and weekends?
Yes, our team offers flexible scheduling with evening and weekend availability to accommodate working professionals.
What makes you different from other lenders?
We combine decades of local experience with personalized service, weekly loan process updates, and specialized veteran support programs.
How do you handle accessibility needs?
Our website features UserWay accessibility tools, and we provide alternative communication methods for clients with disabilities.
