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Lending

White Brick House

At Move2HoustonTexas.com, we understand that financing is a crucial step in the home-buying journey. That’s why we’ve partnered with trusted lenders that offer a variety of loan programs tailored to fit your unique needs. Whether you're a first-time homebuyer, upgrading to your dream home, or investing in real estate, we’ll help connect you with the right lending solutions.

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Our team is here to guide you through every step of the financing process, ensuring you make informed decisions that align with your budget and goals.

 

Ready to explore your options? Contact us today to get started!

80/15/5

This loan has 2 mortgages:

 

  • First Mortgage: Covers 80% of the home's purchase price 

  • Second Mortgage: Covers 15% of the purchase price

  • Down Payment: You provide a 5% down payment. 

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This structure allows you to avoid paying private mortgage insurance (PMI) on a conventional loan when putting down less than 20%, 

Down Payment Assistance

Down payment assistance programs offer financial help to homebuyers, reducing the amount of cash needed upfront to purchase a home. These programs can take various forms, including grants, loans, or deferred second mortgages, and are often available through government agencies, lenders, or non-profits. There are statewide and city/county specific programs​.

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FHA 203K

Allows borrowers to finance both the purchase or refinancing of a home and the cost of renovating it in a single loan. It's particularly useful for homebuyers who want to make improvements to a property they're buying or refinancing.

 

It's also known as a mortgage rehab loan or renovation loan. 

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  • Still only one payment per month (mortgage and improvements)

  • This loan qualifies as assumable

Jumbo Loan

A non-conforming mortgage, meaning it doesn't adhere to the loan limits set by Fannie Mae and Freddie Mac. The conforming amounts can change.

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As of 2025, any home loan over the amount of $806,500 qualifies for a Jumbo Loan. 

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Qualifications vary.

USDA

A USDA home loan is a mortgage backed by the U.S. Department of Agriculture, designed to help individuals purchase homes in rural or eligible areas. These loans often offer zero down payments and can have lower interest rates than conventional loans. They are particularly attractive to borrowers with lower incomes who might struggle to qualify for traditional mortgages.​

 

VA

A loan specifically for eligible veterans, active-duty military members, and some surviving spouses. It is guaranteed by the Department of Veteran Affairs and issued by private lenders

  • No down payment

  • No PMI

  • No loan limits

$0 Down - FHA

This FHA mortgage program allows you to buy a house with no money down, meaning you finance 100% of the home's purchase price. 

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These loans are backed by the FHA, which insures the loan, allowing lenders to offer lower down payment requirements and potentially more flexible terms. 

$0 Down No PMI Conventional

This is a Conventional Loan that allows you to receive 100% max loan to value home financing and qualify for no private mortgage insurance (PMI).

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  • $0 down means you only need to focus on closing costs

  • No PMI lowers your monthly mortgage​

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DSCR

DSCR (Debt Service Coverage Ratio) loan allows investors to qualify for a mortgage based on the property's projected rental income, rather than the borrower's personal income.

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Lenders assess whether the property's rental income can cover the mortgage payments, taxes, insurance, and other operating expenses. 

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1 Time Closing Construction Loan

This construction loan finances the costs of building your own home. It's separate from a traditional mortgage and cover specific building costs including materials, labor, land, and utilities. You can combine your construction loan with your mortgage loan for one manageable loan. 

  • Single closing

  • Low down payment

  • Fixed interest rates

1099 Borrowers

Instead of relying on traditional tax returns or W-2s, lenders offering 1099 loans use the borrower's 1099 forms to verify income and assess their ability to repay the loan. Some lenders may also require bank statements or other documentation to further demonstrate a stable income stream.

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This type of loan is particularly helpful for those who may have difficulty qualifying for a traditional mortgage because their income isn't reported in the usual way.​ (Non-QM Loan)

Non-QM Loan

A Non-Qualified Mortgage (Non-QM) loan is a type of mortgage that doesn't meet the strict requirements of a Qualified Mortgage (QM) set by the Consumer Financial Protection Bureau (CFPB). These loans offer more flexibility in terms of income verification, credit scores, and loan features, making them an option for borrowers who might not qualify for traditional QM loans.

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Medical Professional Mortgages

This loan is focused towards Medical Residents, Fellows, and Established Medical Professionals.

​This special lending option will allow you to purchase, refinance, or cash-out refinance on your primary and secondary home. 

 

Also, you can:

  • Eliminate mortgage insurance 

  • Little to no down payment

  • Purchase warrantable and non-warrantable condos

FHA Loan

An FHA loan is a type of mortgage insured by the Federal Housing Administration (FHA), a government agency. This insurance allows lenders to offer more flexible terms, such as lower down payments and less strict credit requirements, making homeownership more accessible to a wider range of borrowers, including first-time homebuyers.

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