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GREATER HOUSTON

Mortgage broker in Houston, TX.

Conventional, FHA, VA, USDA, Jumbo, and Non-QM lending across Greater Houston. Same loan officers from soft-pull pre-qualification to clear-to-close.

  • Local Greater Houston lender — fast pre-qualification, no surprises
  • Conventional, FHA, VA, USDA, Jumbo, and Non-QM under one roof
  • Texas-only focus. Q Mortgage LLC, NMLS #2567464
Get Pre-Qualified Call (903) 402-5626
Local snapshot

Houston mortgage market at a glance

Conforming limit
$806,500
2026
FHA single-family
$556,150
Harris County
Population
2,300,000
2024
Why buyers choose Q Mortgage

Mortgages, built around Houston.

Houston is the largest city in Texas and home to one of the most diverse housing markets in the country. From the Energy Corridor's executive homes to walkable Midtown condos, buyers here face a wide range of price points and loan scenarios. Q Mortgage (NMLS #2567464) works exclusively in Texas, so our team knows Harris County's neighborhoods, its employer base anchored by the Texas Medical Center, and the financing quirks that come with this market.

Try it

How much home can you afford in Houston?

Adjust the inputs to see your max purchase price, target monthly payment, and front-end/back-end DTI. Tied to the same calc engine our loan officers use.

Gross household income

Cards, auto, student loans

Cash you have available

Texas avg ~2.0%

36 %

36% = conservative, 43% = QM, 50% = aggressive

Max home price
$297,897
Max monthly payment (PITI + PMI)
$2,400.00
Payment breakdown
Principal & interest
$1,639.80
Property tax
$496.49
Home insurance
$150.00
PMI
$113.71
DTI ratios
Front-end (housing)
30.3%
Back-end (housing + debts)
36.0%
Loan summary
Loan amount
$272,897
LTV at origination
91.6%
Cash to close (est.)
$33,937

Enter your contact info to download the PDF summary.

Estimate only. Lenders evaluate credit score, employment history, asset reserves, and loan program in addition to DTI. Cash-to-close uses a 3% closing-cost estimate; actual closing costs vary by lender, title, and county.
Local market

The Houston market in context.

Harris County sets the loan limits for Houston, with a 2025 conforming loan limit of $806,500 and an FHA single-family limit of $556,150. Houston's price range runs the full spectrum — entry-level buyers in areas like Acres Homes or Alief will often land well within FHA territory, while buyers in River Oaks, Memorial, or the Heights frequently push into jumbo range. That spread means the right loan program depends heavily on which part of the city you're buying in, not just on your credit profile. Houston's size and Harris County's density also mean appraisal and title timelines can vary, so preparation matters.

Programs available in Houston

Every loan program we close, available across Greater Houston.

Because Houston prices span such a wide band, Q Mortgage structures financing around the neighborhood, not a one-size-fits-all product. Jumbo loans are the practical choice for mid-to-upper Houston zip codes where purchase prices exceed the $806,500 conforming limit. Conventional conforming loans cover a large slice of the market and work well for buyers with solid credit and at least 3–5% down. FHA loans, with their $556,150 county limit, remain a strong fit for first-time buyers targeting entry-level neighborhoods. VA loans carry the same $806,500 county limit and are a natural choice for veterans near Ellington Field Joint Reserve Base. Texas-specific down payment assistance programs can also be layered with several of these options for qualifying buyers.

Government-backed

FHA Loans

Low down payment, flexible credit. Great for first-time buyers.

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VA Loans

Zero-down financing for veterans, active duty, and surviving spouses.

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USDA Loans

Zero-down for rural and suburban-eligible properties.

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First-Time Home Buyer

Programs and guidance for your first purchase.

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Down Payment Assistance

TX grants and second-lien programs to bridge the down-payment gap.

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1% Down Programs

Special programs that close with as little as 1% from you.

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Zero Down Programs

Pathways to a zero-down purchase via VA, USDA, or lender credits.

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100% Financing

100% LTV options for qualifying borrowers.

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Conventional

Conventional Loans

Standard 3% to 20% down loans backed by Fannie/Freddie.

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Jumbo Loans

Above-conforming financing for higher-priced homes.

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Fixed-Rate Mortgage

Lock the same rate for 15 or 30 years.

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Adjustable-Rate Mortgage

Lower intro rate for buyers who plan to move or refi.

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30-Year Mortgage

Most-common loan term for primary residences.

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Refinance & equity

Refinance Overview

Find the right refi structure for your equity + rate goals.

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Rate-and-Term Refinance

Lower your rate or shorten your term.

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Cash-Out Refinance

Tap equity for renovations, debt consolidation, or investment.

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HELOC

Revolving credit line tied to your home equity.

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Home Equity Loan

Fixed-rate second lien against your TX home equity.

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Specialty programs

Rent-to-Own

Lease-to-purchase pathway for buyers who need time.

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New Construction

Financing for spec, semi-custom, and custom new builds.

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Construction & Renovation

Single-close construction or renovation financing.

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Land Loans

Acquire raw or improved land for future construction.

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Medical Professional

Physician/MD/DO programs with relaxed DTI + student-loan handling.

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ITIN Loans

Financing for borrowers without an SSN using an ITIN.

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Tip Worker Loans

Income-qualification using documented tip income.

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Non-QM & investor

Bank Statement Loans

12- or 24-month bank statements in lieu of tax returns.

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P&L Loans

CPA- or borrower-prepared P&L for self-employed income.

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1099 Loans

Qualify on 1099 income instead of W-2 or returns.

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Asset Depletion

Qualify using verified assets converted to monthly income.

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DSCR (Investor)

Qualify the property — no personal income docs required.

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Fix-and-Flip

Short-term acquisition + rehab financing for flippers.

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Bridge / Hard Money

Short-term financing to bridge purchase and permanent loan.

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Portfolio / Blanket

Single loan across multiple investment properties.

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Short-Term Rental

Financing structured around STR / Airbnb income.

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Foreign National

TX financing for non-US-citizen / non-resident borrowers.

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Expanded Program

Catch-all Non-QM for scenarios outside standard guidelines.

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Frequently asked

Houston mortgage FAQs

What is the conforming loan limit for Houston in 2025?
The 2025 conforming loan limit for Harris County, which covers Houston, is $806,500 for a single-family home. Loan amounts above that threshold move into jumbo territory and require different qualification standards.
Does the FHA loan limit cover most homes in Houston?
The FHA limit in Harris County is $556,150. That covers entry-level and mid-range homes in many Houston neighborhoods, but buyers targeting inner-loop or west Houston zip codes will likely find prices above that ceiling and may need a conventional or jumbo product instead.
Can I use a VA loan to buy a home in Houston?
Yes. Eligible veterans and active-duty service members can use a VA loan in Houston up to the $806,500 county limit with no down payment required. Houston's proximity to Ellington Field Joint Reserve Base makes VA financing a commonly used option in the area.
What loan programs are available for first-time buyers in Houston?
First-time buyers in Houston typically look at FHA loans for lower down payment requirements, conventional loans with 3% down for borrowers with stronger credit, and Texas down payment assistance programs that can be paired with either product. The right fit depends on your purchase price and the neighborhood you're targeting.
Do I need a jumbo loan to buy in the Heights or River Oaks?
In many cases, yes. Prices in established inner-loop neighborhoods like the Heights and River Oaks frequently exceed the $806,500 conforming limit, which means a jumbo loan is often required. Jumbo loans have their own credit, reserve, and documentation requirements that differ from standard conforming guidelines.
Can Q Mortgage help me refinance an existing Houston home loan?
Yes. Q Mortgage handles refinances across Harris County, whether you're looking to adjust your loan term, access home equity, or move from one program type to another. The right approach depends on your current loan balance, your home's current value, and your financial goals.

Ready to get pre-qualified in Houston?

Soft-pull pre-qualification in minutes. No surprises — just a clear number you can shop with.

Get Pre-Approved Call (903) 402-5626
Nearby cities

Other Greater Houston markets we serve.

Cypress, TX
Harris County
Pasadena, TX
Harris County
Pearland, TX
Brazoria County
The Woodlands, TX
Montgomery County
League City, TX
Galveston County
Sugar Land, TX
Fort Bend County
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