TEXAS MORTGAGE BROKER · SINCE 2012

Houston Mortgage Broker

Serving homebuyers across the greater Houston area with wholesale mortgage rates and personal service. From the Energy Corridor to Katy to The Woodlands, I have you covered.

How Does a Mortgage Broker Help Houston Buyers?

A mortgage broker shops multiple wholesale lenders for you instead of selling one bank’s retail pricing. I work with Houston buyers remotely and in person, and my low-overhead model means wholesale rates that Houston’s big banks cannot match, plus one point of contact from application to closing instead of a call center.

Houston is one of the most diverse and dynamic housing markets in the country. Whether you are a first-time buyer in Pearland, a relocating energy professional in Memorial, or an investor building a portfolio in the Heights, the right mortgage matters.

Harris County and the surrounding counties all use the standard conforming loan limit, $806,500 for 2026 (FHFA), and the variety of housing stock in Houston means you need a broker who understands FHA, conventional, VA, jumbo, and investment property financing.

Key facts:

  • 2026 conforming loan limit in Harris County, like every Texas county: $806,500 (FHFA)
  • Loans above $806,500 require jumbo financing
  • Minimum down payments: 3% conventional, 3.5% FHA, $0 VA for qualified borrowers
  • Licensed statewide in Texas, originating since 2012

For where pricing sits today, see current Texas mortgage rates; for how the Houston metro is trending, see the Texas housing market page.

Why Work With a Statewide Broker?

Working with a statewide broker means wholesale pricing instead of retail markup, one point of contact from application to closing, and a license that covers every county in Texas. If your plans shift from Houston to another metro, your financing does not have to start over with a new lender.

✓ Wholesale rates that beat most Houston retail lenders

✓ One point of contact from application to closing. You talk to me, not a call center.

✓ Deep knowledge of Harris County, Fort Bend County, and Montgomery County loan limits

✓ Experience with Houston’s diverse buyer profile: energy sector, medical center, NASA, and more

✓ Licensed statewide in Texas. If your plans change, I can still help.

Buying a Home in Houston?

Schedule a free discovery call and I will show you what wholesale pricing looks like for your situation.

Schedule Your Discovery Call →

Anthony Ferrando NMLS# 1919613 | Client Direct Mortgage NMLS# 1065732