Mortgage broker in Stafford, 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
Stafford mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $556,150
- Fort Bend County
- Population
- 18,000
- 2024
Mortgages, built around Stafford.
Stafford sits at the crossroads of Fort Bend and Harris counties, giving buyers access to Greater Houston's job corridors without the premium price tags of inner-loop neighborhoods. The city's low property tax rate — one of the lowest in Texas thanks to its commercial tax base — is a real draw for households relocating for work at nearby employers along the US-90 and Beltway 8 corridors. Q Mortgage (NMLS #2567464) works with Stafford buyers to match the right loan program to the right property, from starter homes to larger single-family purchases.
How much home can you afford in Stafford?
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
- $1,639.80
- Property tax
- $496.49
- Home insurance
- $150.00
- PMI
- $113.71
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- 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.
The Stafford market in context.
Stafford sits entirely within Fort Bend County, which carries a conforming loan limit of $806,500 and an FHA single-family limit of $556,150. The city's housing stock tends to attract a mix of first-time buyers, relocating professionals, and investors drawn to the city's unique no-city-property-tax structure. Because Stafford has no municipal property tax levy, monthly carrying costs can look meaningfully different here than in surrounding municipalities — a factor buyers should run through their full payment analysis. Home prices span a broad range, meaning FHA financing suits entry-level purchases while conventional loans cover mid-range inventory comfortably within the conforming ceiling.
Every loan program we close, available across Greater Houston.
Stafford's price range puts most buyers well within the $806,500 conforming loan limit, making conventional financing the workhorse program here. FHA loans are a strong fit for buyers in entry-level price bands, particularly those with smaller down payments, though the $556,150 FHA limit applies. VA loans are available up to $806,500 for eligible veterans and active-duty borrowers — a relevant option given the area's proximity to military-connected employment in Greater Houston. USDA Rural Development loans are generally not available within Stafford's city limits due to its urban designation. Down payment assistance programs through the Texas State Affordable Housing Corporation (TSAHC) and TDHCA may also be layered with qualifying conventional or FHA loans.
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 moreStafford mortgage FAQs
What is the conforming loan limit in Stafford, TX?
Does Stafford's no-city-property-tax status affect my mortgage?
Can I use an FHA loan to buy a home in Stafford?
Are VA loans available for homes in Stafford, TX?
What is a mortgage broker and why use one in Stafford?
Can I refinance my Stafford home if I currently have an FHA loan?
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