Mortgage broker in Katy, 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
Katy mortgage market at a glance
- Population
- 25,000
- 2024
2026 loan limits for Harris County.
Loan limits can vary by county. Enter the property address or select the county for the correct limit.
Source: FHFA conforming loan limit county file, full county loan limit list (HERA-based, final)
Verified: August 12, 2026
Source: HUD FHA single-family forward mortgage limits, CY2026, Texas (hicost1.cfm lookup)
Verified: August 12, 2026
Eligible Veterans with full VA entitlement generally do not have a VA-imposed maximum loan amount. Loan approval remains subject to lender requirements, credit, income, residual income, property value, and available entitlement. County conforming limits can remain relevant when entitlement is not fully available.
Source: VA home loan entitlement guidance
Verified: August 12, 2026
Mortgages, built around Katy.
Katy sits at the western edge of Greater Houston, anchored by Katy ISD and a workforce tied to the Energy Corridor, Amazon's fulfillment footprint, and the medical campuses along the Grand Parkway. Whether you are buying in Cinco Ranch, Cross Creek Ranch, or an older street near Katy Mills, financing should be the straightforward part. Q Mortgage (NMLS #2567464) is a Texas-only broker, so you get wholesale pricing from multiple investors without the runaround of a call-center lender.
How much home can you afford in Katy?
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% = conservative, 43% = QM, 50% = aggressive
- Principal & interest
- $1,660.89
- Property tax
- $479.62
- Home insurance
- $150.00
- PMI
- $109.49
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- Loan amount
- $262,771
- LTV at origination
- 91.3%
- Cash to close (est.)
- $33,633
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.
The Katy market in context.
Katy pulls buyers from every profile. Relocating engineers heading to the Energy Corridor, ExxonMobil campus commuters up I-10, and families chasing Katy ISD zoning all compete for the same inventory. Price points run wide. Older sections near Old Katy and Katy Mills stay accessible for first-time buyers, while custom builds in Cinco Ranch and the gated pockets of Cross Creek Ranch routinely land in jumbo territory. Most of the city sits inside Harris County, though parts spill into Fort Bend and Waller. That matters because county lines drive the loan-limit tables shown above and can shift which program fits your file. Q Mortgage underwrites to each county's current figures rather than a one-size template.
Every loan program we close, available across Greater Houston.
Katy's price spread means we run the full menu. For custom homes in the higher-end master-planned sections, jumbo and non-QM options usually lead the conversation. Conventional loans with 3 to 20 percent down fit the bulk of resale inventory across Cinco Ranch and Firethorne. FHA works well for older Old Katy bungalows and townhomes. VA is a strong fit for the veteran population commuting to the Med Center or working along the Energy Corridor. USDA can still apply on the western fringe near Brookshire. Q Mortgage will price all eligible paths before you lock.
Government-backed
FHA Loans
Low down payment, flexible credit. Great for first-time buyers.
Learn moreVA Loans
Zero-down financing for veterans, active duty, and surviving spouses.
Learn moreUSDA Loans
Zero-down for rural and suburban-eligible properties.
Learn moreFirst-Time Home Buyer
Programs and guidance for your first purchase.
Learn moreDown Payment Assistance
TX grants and second-lien programs to bridge the down-payment gap.
Learn more1% Down Programs
Special programs that close with as little as 1% from you.
Learn moreZero Down Programs
Pathways to a zero-down purchase via VA, USDA, or lender credits.
Learn more100% Financing
100% LTV options for qualifying borrowers.
Learn moreConventional
Conventional Loans
Standard 3% to 20% down loans backed by Fannie/Freddie.
Learn moreJumbo Loans
Above-conforming financing for higher-priced homes.
Learn moreFixed-Rate Mortgage
Lock the same rate for 15 or 30 years.
Learn moreAdjustable-Rate Mortgage
Lower intro rate for buyers who plan to move or refi.
Learn more30-Year Mortgage
Most-common loan term for primary residences.
Learn moreRefinance & equity
Refinance Overview
Find the right refi structure for your equity + rate goals.
Learn moreRate-and-Term Refinance
Lower your rate or shorten your term.
Learn moreCash-Out Refinance
Tap equity for renovations, debt consolidation, or investment.
Learn moreHELOC
Revolving credit line tied to your home equity.
Learn moreHome Equity Loan
Fixed-rate second lien against your TX home equity.
Learn moreSpecialty programs
Rent-to-Own
Lease-to-purchase pathway for buyers who need time.
Learn moreNew Construction
Financing for spec, semi-custom, and custom new builds.
Learn moreConstruction & Renovation
Single-close construction or renovation financing.
Learn moreLand Loans
Acquire raw or improved land for future construction.
Learn moreMedical Professional
Physician/MD/DO programs with relaxed DTI + student-loan handling.
Learn moreITIN Loans
Financing for borrowers without an SSN using an ITIN.
Learn moreTip Worker Loans
Income-qualification using documented tip income.
Learn moreNon-QM & investor
Bank Statement Loans
12- or 24-month bank statements in lieu of tax returns.
Learn moreP&L Loans
CPA- or borrower-prepared P&L for self-employed income.
Learn more1099 Loans
Qualify on 1099 income instead of W-2 or returns.
Learn moreAsset Depletion
Qualify using verified assets converted to monthly income.
Learn moreDSCR (Investor)
Qualify the property — no personal income docs required.
Learn moreFix-and-Flip
Short-term acquisition + rehab financing for flippers.
Learn moreBridge / Hard Money
Short-term financing to bridge purchase and permanent loan.
Learn morePortfolio / Blanket
Single loan across multiple investment properties.
Learn moreShort-Term Rental
Financing structured around STR / Airbnb income.
Learn moreForeign National
TX financing for non-US-citizen / non-resident borrowers.
Learn moreExpanded Program
Catch-all Non-QM for scenarios outside standard guidelines.
Learn moreKaty mortgage FAQs
Do I need a jumbo loan to buy in Cinco Ranch or Cross Creek Ranch?
What are the FHA and conforming loan limits in Harris County?
Can a veteran buy a home in Katy above the standard county limit?
Is it worth refinancing if I bought in Katy a couple of years ago?
Do you lend on homes inside Katy ISD attendance zones outside the city limits?
What loan works best for a first-time buyer in Old Katy?
Ready to get pre-qualified in Katy?
Soft-pull pre-qualification, with no impact to your credit score. No surprises — just a clear number you can shop with.
Other Greater Houston markets we serve.
Get a Katy pre-qualification.
Tell us a little about your scenario. We follow up on every submission with clear next steps. You'll get a rate-and-term you can take to any agent in Katy.