Houston mortgages, priced at wholesale.
Buying or refinancing in Houston? Your file gets priced against a pool of wholesale lenders competing for it — not the single rate sheet a retail bank quotes. Same loan, lower markup, with a licensed broker who knows the Harris County escrow math.
Wholesale pricing for the Houston market
A retail bank quotes you off its own rate sheet. As a broker, we send the same file to a pool of wholesale lenders and let them compete — the difference is who marks up the rate before you see it. On a Houston-priced home, that gap is real money every month for the life of the loan.
Texas has no state income tax, which often means more of your income counts toward qualifying than a borrower in a high-tax state. We use that to your advantage and model the full picture up front — not just the rate, but the payment.
Property taxes, flood zones, and the real monthly payment
Houston-area property taxes are high, and they drive your escrow as much as your rate does. We quote the full PITI — principal, interest, taxes, and insurance — using actual Harris or Fort Bend County rates, and we flag the homestead exemption so your post-closing payment doesn't surprise you.
Insurance is the other Houston variable. A property in a Harris County flood zone needs a flood quote early, not at the closing table — we order it up front so the deal pencils before you're committed. For investors, Houston's rental demand makes it one of the strongest DSCR markets in Texas.
Programs we run in Houston
Every program is priced at wholesale and runs through the same licensed broker. Explore the ones that fit this market:
Buying or refinancing in Houston: common questions
Which areas around Houston do you serve?
The whole metro — Harris, Fort Bend, Montgomery, Brazoria, and Galveston counties — including Sugar Land, Katy, Pearland, The Woodlands, Cypress, Spring, and Conroe. We are licensed across Texas, so wherever the property sits in the region, we can run the file.
How do high Texas property taxes affect my mortgage?
They raise your monthly escrow, which raises the payment lenders qualify you against. We build the full PITI using your county’s actual tax rate from the start, and we make sure you file for the homestead exemption — which can meaningfully lower the bill on your primary residence.
I’m self-employed or work energy contracts — can I still qualify?
Yes. Beyond standard full-doc underwriting, we run bank-statement programs that qualify you on deposits instead of tax returns, and DSCR loans for investment properties that qualify on the rent. Houston’s contractor and energy workforce is exactly who these programs are built for.
Do you offer mortgage service in Mandarin?
Yes — we work with Houston’s Chinese-speaking community in both English and Mandarin, including the Sugar Land and Katy areas. The application, the disclosures, and the explanation of your options are all available in 中文.
Get a wholesale quote for your Houston home.
No SSN, no credit pull. A licensed broker reviews your scenario and replies by the next business day.
Program features described above are general descriptions of loan programs offered by third-party lenders and are subject to change without notice. This is not an offer of credit or a commitment to lend. All loans are subject to credit approval, income and asset verification, property appraisal, and program eligibility requirements. Not all applicants will qualify. Verified Home LLC is a mortgage broker, not a lender, and arranges loans with third-party providers. NMLS #2693996. Equal Housing Opportunity.