NMHL Mortgage Lending
Mortgage Lender in Houston, TX
Local expertise and competitive rates for Houston homebuyers.
Houston, Texas, is a vibrant city with a diverse housing market. As of the latest estimates, the median home price in Houston stands at around $240,000, making it an attractive location for homebuyers. At National Mortgage Home Loans (NMHL), we understand the unique challenges faced by Houston borrowers, from navigating the complexities of property taxes to finding the right mortgage program for their needs. Our local expertise and personalized service make us the go-to lender for Houston residents looking to secure their dream home.
The Houston housing market is influenced by various factors, including the city's thriving economy, diverse neighborhoods, and the presence of major industries such as energy and healthcare. As a result, mortgage lenders in Houston must be knowledgeable about the local market conditions and trends. NMHL is committed to providing Houston borrowers with competitive rates, flexible loan options, and expert guidance throughout the mortgage process.
Whether you're a first-time homebuyer in Houston's Heights neighborhood or a seasoned homeowner in Sugar Land, NMHL is here to help. Our mortgage programs are designed to serve a wide range of borrowers, including those with bad credit, self-employed individuals, and veterans. With NMHL, you can trust that you're working with a lender who understands the Houston market and is dedicated to helping you achieve your homeownership goals.
Houston Housing Market Overview
Explore mortgage options in Houston, TX with NMHL. Our local expertise helps you navigate the Houston real estate market with competitive rates and personalized service.
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
Learn MoreWhat Our Clients Say
Real reviews from Google — no cherry-picking
Our Presence
Click on endorsed states to see our direct resources!
Houston Neighborhoods: A Guide to the Local Housing Market
Houston is a diverse city with many unique neighborhoods, each with its own character and charm. From the trendy boutiques and restaurants in the Heights to the family-friendly atmosphere of Clear Lake, there's a Houston neighborhood to suit every lifestyle. When searching for a home in Houston, it's essential to research the local neighborhoods and their characteristics.
- The Heights: Known for its Victorian-era homes and vibrant community
- Montrose: A eclectic neighborhood with a mix of arts, culture, and nightlife
- Clear Lake: A family-friendly area with a strong sense of community
- Sugar Land: A master-planned community with top-rated schools and amenities
NMHL's local expertise can help you navigate the Houston neighborhoods and find the perfect home to fit your needs and budget.
Contact NMHL to schedule a consultation and get expert guidance on Houston's neighborhoods and mortgage options.
Mortgage Options for Houston Borrowers
At NMHL, we offer a range of mortgage options to suit the diverse needs of Houston borrowers. From FHA and VA loans to conventional and jumbo mortgages, we have the expertise and programs to help you achieve your homeownership goals.
Our mortgage programs are designed to serve a wide range of borrowers, including:
- First-time homebuyers: Take advantage of low down payment options and down payment assistance programs
- Self-employed borrowers: We consider alternative income documentation to help you qualify for a mortgage
- Veterans: Access VA loans with competitive rates and favorable terms
- Bad credit borrowers: We offer mortgage options for borrowers with less-than-perfect credit
NMHL's expert loan officers can help you explore your mortgage options and find the best fit for your situation.
Get pre-approved for a mortgage with NMHL and take the first step towards homeownership in Houston.
Understanding Property Taxes in Houston, TX
Property taxes are an essential consideration for Houston homeowners. The average property tax rate in Houston is around 2.05% of the home's assessed value. However, this rate can vary depending on the specific location within Houston and the taxing authorities involved.
To help you navigate the complexities of property taxes, NMHL provides:
- Expert guidance on property tax rates and their impact on your mortgage payments
- Assistance with tax planning and escrow management
- Personalized service to ensure you're prepared for the total cost of homeownership
By understanding property taxes and their impact on your mortgage, you can make informed decisions about your homeownership goals.
Contact NMHL to discuss your property tax questions and get expert guidance on managing your mortgage payments.
Down Payment Assistance Programs in Houston, TX
Down payment assistance programs can be a valuable resource for Houston homebuyers. These programs provide financial assistance to help with the upfront costs of purchasing a home, making it more accessible to achieve homeownership.
NMHL can help you explore the various down payment assistance programs available in Houston, including:
- TDHCA's Down Payment Assistance Program
- City of Houston's Homebuyer Program
- Community-specific down payment assistance programs
Our expert loan officers can help you determine which programs you may be eligible for and guide you through the application process.
Get started with NMHL today and explore your down payment assistance options in Houston.
Frequently Asked Questions
The average property tax rate in Houston is around 2.05% of the home's assessed value. However, this rate can vary depending on the specific location within Houston and the taxing authorities involved. It's essential to factor property taxes into your mortgage planning to ensure you're prepared for the total cost of homeownership. NMHL can help you understand how property taxes impact your mortgage payments.
School districts play a significant role in determining home values in Houston. The Houston Independent School District (HISD) is one of the largest school districts in the area, and homes within highly-rated districts tend to command higher prices. When searching for a home in Houston, it's crucial to research the local school districts and their impact on property values. NMHL can provide guidance on how school districts may affect your mortgage options.
Houston offers several first-time homebuyer programs, including the Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program, which provides up to 5% in down payment assistance. Additionally, the City of Houston's Homebuyer Program offers assistance with down payment and closing costs. NMHL can help you explore these programs and determine which ones you may be eligible for.
While having bad credit can make it more challenging to secure a mortgage, it's not impossible. NMHL offers mortgage options for borrowers with less-than-perfect credit. We consider factors beyond just credit score, such as income, debt-to-income ratio, and overall financial stability. Our expert loan officers can help you navigate the process and find a mortgage solution that works for you.
Houston borrowers can access various down payment assistance programs, including the TDHCA's Down Payment Assistance Program, which provides up to 3.5% of the home's purchase price. Additionally, some Houston neighborhoods offer community-specific down payment assistance programs. NMHL can help you explore these options and determine which programs you may be eligible for.
Getting pre-approved for a mortgage in Houston is a straightforward process with NMHL. Simply contact us to schedule a consultation, and we'll review your financial situation, credit report, and other factors to determine your mortgage eligibility. Our NMHL pre-approval process is fast and convenient, giving you the confidence to shop for your dream home in Houston.
Related Resources
Ready to Buy in Houston?
Let NMHL help you navigate the Houston housing market with expert guidance and competitive rates.