NMHL Mortgage Lending
Mortgage Lender in Houston, TX
Local expertise and competitive rates for Houston homebuyers.
Houston's diverse economy and affordable housing market make it an attractive location for homebuyers. With a median home price of $320,000, the city offers a range of opportunities for first-time buyers, investors, and families alike. At National Mortgage Home Loans (NMHL), we understand the unique challenges faced by Houston borrowers, including those with bad credit, self-employed individuals, and veterans. Our specialized mortgage programs are designed to help underserved borrowers achieve their homeownership goals.
Houston's housing market is characterized by its diversity, with everything from urban townhomes in neighborhoods like Montrose and The Heights to sprawling suburban estates in Sugar Land and Katy. The city's strong economy, anchored by industries such as energy, healthcare, and aerospace, supports a robust housing market. Additionally, Texas's lack of state income tax means that homebuyers can stretch their dollars further.
At NMHL, we're committed to helping Houston borrowers navigate the mortgage process. Our team of experienced mortgage professionals is knowledgeable about the local market and can guide you through our range of mortgage options, including our proprietary NMHL pre-approval process. Whether you're a first-time homebuyer or an experienced investor, we're here to help you achieve your goals.
Houston Housing Market Overview
Houston's diverse economy, anchored by energy, healthcare, and aerospace industries, supports one of the most affordable major metro housing markets in the country. With no state income tax, buyers stretch their dollars further. The market offers everything from urban townhomes to sprawling suburban estates, making it ideal for first-time buyers and investors alike.
Houston Neighborhoods
Popular areas for homebuyers in Houston, TX
ZIP Codes We Serve in Houston
Mortgage lending available in these Houston ZIP codes
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Houston
Explore mortgage options tailored to Houston homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Houston's Thriving Neighborhoods
Houston is a city of diverse neighborhoods, each with its own unique character. From the urban energy of Montrose and The Heights to the suburban charm of Sugar Land and Katy, there's something for everyone. River Oaks is a popular choice for families, with its top-rated schools and beautiful parks.
- The Heights: Known for its arts scene and historic homes
- Montrose: A vibrant, eclectic neighborhood with a mix of old and new housing stock
- Sugar Land: A family-friendly suburb with excellent schools and amenities
- Katy: A rapidly growing suburb with a range of housing options
NMHL is familiar with these neighborhoods and can help you find the right mortgage solution for your needs.
Whether you're looking for a starter home or a luxury estate, NMHL can help you navigate Houston's diverse neighborhoods and find the right mortgage solution.
First-Time Homebuyer Programs in Houston
Houston offers a range of programs for first-time homebuyers, including down payment assistance and below-market rates. The City of Houston and Harris County both offer programs to help with down payment and closing costs. Additionally, Texas state programs like My First Texas Home provide competitive rates and assistance for qualifying buyers.
NMHL can help you navigate these programs and determine which ones you're eligible for. Our team of experienced mortgage professionals is knowledgeable about the local market and can guide you through the application process.
Don't miss out on the opportunity to become a homeowner in Houston. Contact NMHL today to learn more about our first-time homebuyer programs.
Mortgage Options for Underserved Borrowers
At NMHL, we're committed to helping underserved borrowers achieve their homeownership goals. We offer a range of mortgage options for borrowers with bad credit, self-employed individuals, and veterans. Our proprietary credit scoring model takes into account non-traditional credit references, and we offer programs with credit scores as low as 580.
Our NMHL Advantage program is designed for borrowers who may not qualify for traditional mortgage products. We offer competitive rates and terms, and our team of experienced mortgage professionals will work with you to determine the best mortgage solution for your situation.
Don't let credit challenges hold you back from achieving your homeownership goals. Contact NMHL today to learn more about our mortgage options for underserved borrowers.
Understanding Property Taxes in Houston
Property taxes in Houston are relatively high, with an average effective rate of 1.80% in Harris County. This means that on a $320,000 home, you can expect to pay around $5,760 per year in property taxes. However, Texas offers a homestead exemption that can help reduce your tax burden.
NMHL can help you factor property taxes into your mortgage planning. Our team of experienced mortgage professionals is knowledgeable about the local tax landscape and can guide you through the process.
Don't forget to factor property taxes into your mortgage planning. Contact NMHL today to learn more about how we can help.
Frequently Asked Questions
Houston mortgage rates generally track national averages, though local lenders like NMHL often offer competitive rates due to the city's robust lending market. Rates vary by loan type, credit score, and down payment. For example, our NMHL Advantage program offers competitive rates for borrowers with credit scores as low as 620. Contact us for a personalized Houston rate quote.
Yes, Harris County and the City of Houston offer down payment assistance programs. Additionally, Texas state programs like My First Texas Home provide below-market rates and assistance for qualifying buyers. NMHL can help you navigate these programs and determine which ones you're eligible for.
Property taxes in Houston are relatively high, with an average effective rate of 1.80% in Harris County. This means that on a $320,000 home, you can expect to pay around $5,760 per year in property taxes. However, Texas offers a homestead exemption that can help reduce your tax burden. NMHL can help you factor property taxes into your mortgage planning.
Houston has many great neighborhoods for families, including River Oaks, Sugar Land, and Katy. These areas offer a range of housing options, from starter homes to luxury estates, and are served by top-rated school districts. NMHL is familiar with these neighborhoods and can help you find the right mortgage solution for your family.
Yes, NMHL offers mortgage options for borrowers with bad credit. Our proprietary credit scoring model takes into account non-traditional credit references, and we offer programs with credit scores as low as 580. We'll work with you to determine the best mortgage solution for your situation.
At NMHL, we offer a range of benefits, including personalized service, competitive rates, and a streamlined application process. Our NMHL pre-approval process gives you a clear understanding of your mortgage options and helps you stand out in a competitive market. We're committed to helping you achieve your homeownership goals.
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