Business Details
25 Years
experience
Your Trusted Houston Mortgage Broker
Flagstone Mortgage was founded in 2001 with a commitment to providing personalized mortgage solutions. Our team, led by Darren Smith with a CPA and MBA in finance, specializes in jumbo and super-jumbo mortgages due to our extensive financial expertise. We adopt a concierge lending approach, ensuring every client receives dedicated service and meticulous attention to detail, regardless of loan size. Our reputation is built on industry recognition and client trust, with over 95% of our business coming from repeat clients and referrals. We prioritize education and tailored solutions over mere rate comparisons, using common-sense underwriting to align loans with individual financial situations.Our mission is to treat every client professionally, respectfully, honestly, and fairly, fostering long-term relationships. With offices in Houston, Texas, we serve clients across Texas, including Houston, Dallas, Fort Worth, San Antonio, and Austin. Our accolades include awards from Washington Mutual, Citi Mortgage, and Texas Monthly, reflecting our dedication to excellence. We emphasize transparency, avoiding call centers to maintain a human touch, and ensure accountability throughout the mortgage process. Our goal is to make homeownership or refinancing a seamless, stress-free experience, combining competitive rates with expert guidance.
Services
Conventional Home Loans
FHA Loans
VA Loans
Jumbo Loans
USDA Loans
Non-QM Loans
Hard Money Lending
Reverse Mortgage
Cash Out Refinance
Details
- Year established: 2001
Highlights and features
- We offer a concierge lending approach with personalized service and attention to detail.
- Our team has over 85 years of combined experience in mortgage financing.
- We provide competitive rates and fast execution times for all loan types.
- We prioritize client education and tailored financial solutions over automated processes.
- We have received multiple industry awards for exceptional customer service and performance.
What people say
Top priority and speedy communications
Competitive rates and low closing costs
Prompt, professional, and responsive team
Personal attention and fast turnaround
Best lender my realtor has worked with
Services
Jumbo Loans
Flagstone Mortgage specializes in jumbo loans for high-value properties exceeding conforming loan limits. Our team leverages deep financial expertise to tailor these loans to clients' unique needs, ensuring competitive rates and flexible terms. With a focus on personalized service, we guide clients through complex underwriting processes to secure financing for luxury homes or investment properties.
FHA Loans
We offer FHA loans designed for first-time homebuyers and those with lower credit scores. These loans require down payments as low as 3.5% and provide accessible pathways to homeownership. Our experts simplify the application process, ensuring clients meet eligibility requirements while securing favorable terms.
VA Loans
Flagstone Mortgage provides VA loans for eligible veterans, active-duty service members, and families. These loans offer zero down payment options and competitive rates. Our team streamlines the process, ensuring veterans receive the benefits they deserve through efficient approvals and dedicated support.
Cash Out Refinance
Our cash-out refinance option allows homeowners to tap into their home equity for debt consolidation, home improvements, or financial goals. We evaluate clients' financial situations to determine optimal loan structures, balancing immediate needs with long-term affordability while maintaining transparent communication throughout the process.
Reverse Mortgage
We offer reverse mortgages for homeowners aged 62+ to convert home equity into cash without monthly payments. Our counselors explain eligibility criteria and financial implications, ensuring clients understand repayment terms tied to property sale, relocation, or inheritance scenarios.
People
Darren Smith
President
Darren Smith, CPA and MBA holder, co-founded Flagstone Mortgage's commercial lending division in 2005. With over 20 years of mortgage expertise, he specializes in complex financial underwriting and has secured numerous industry awards for client service.
Jaqui Butler
Processing Manager
Jaqui Butler oversees loan processing operations with 15+ years of experience in mortgage administration. Her real estate brokerage background ensures meticulous contract reviews and streamlined transaction management for clients.
Pat Rutledge
Loan Officer
Pat Rutledge provides personalized mortgage guidance with a focus on first-time homebuyers. His decade of experience in Texas markets helps clients navigate loan options while maintaining a 4.9-star client satisfaction rating.
Brian Jordan
Senior Loan Officer
Brian Jordan specializes in jumbo and VA loans, leveraging 12 years of mortgage expertise to deliver tailored solutions. His client-centric approach has contributed to Flagstone's 95% referral-based business model.
Questions
What mortgage loan types does Flagstone Mortgage offer?
We offer conventional, FHA, VA, jumbo, USDA, non-QM, hard money, reverse mortgages, and cash-out refinance options to suit diverse financial situations.
How can I get pre-approved for a mortgage?
Complete our online pre-approval application or contact our Texas loan experts to verify income, assets, and creditworthiness for a tailored pre-approval letter.
Does Flagstone Mortgage service areas outside Houston?
Yes, we serve Dallas, Fort Worth, San Antonio, Austin, and surrounding Texas regions with local market expertise and personalized lending solutions.
What sets Flagstone apart from other mortgage brokers?
Our concierge lending approach combines 85+ years of combined experience, direct communication with loan officers, and a 95% referral-based business model built on trust.
Can I refinance to remove PMI?
Yes, we help clients refinance to eliminate private mortgage insurance when they've built sufficient equity, lowering monthly payments and long-term costs.
How long does the mortgage process take?
Our streamlined process typically closes in 30 days or less, with pre-approval, property verification, and underwriting completed efficiently through our experienced team.
