houston mortgages and home loan programs:

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houston mortgage glossary of terms

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This is not a complete list of houston mortgages programs, additional types are available.

Conforming mortgages - Conforming loans refer to loan amounts that conform to government service standards.  Conforming loans range go to $227,150.  These must conform to strict guidelines. 

Jumbo mortgages (Non-Conforming) - Jumbo loans refer to those loan amounts outside of the "conforming" range or, above $227,150. 

Investment Property mortgages (Non-Owner Occupied) - Typically, the rates for financing on investment properties are higher than owner occupied homes and the LTVs allowed are lower, due to the fact that default rates tend to be higher on these types of loans. This type of loan is available for good credit and bad credit mortgages.

B, C, D Credit mortgages- Just because your credit isn't perfect does not mean you can't obtain financing. Most, if not all of the above described programs can be utilized even if a borrower does not have perfect credit. In these cases the rates will be higher and LTVs allowed will be lower.   Click above to apply for a mortgage with credit problems.

No Document or Low Document mortgages - This type of financing is recommended for self-employed borrowers or borrowers who have difficulty showing their income on paper, for one reason or another.  In these instances any of the above described programs can be used, but under circumstances called NIV or No Income Verification. All of the other program parameters must be met, however, in the case of income, a borrower may only be required to show a operating license or business license and/or limited income information. With this type of financing, rates offered tend to be slightly higher. 

Purchases - All of the above described programs can be used in the financing of a new house. 

Cash-Out Refinance  - Occasionally, when refinancing a borrower wants to "cash out" some of the equity that has been built into the loan. Under specific conditions, established by the lender, a borrower can actually receive a check for an amount of money that meets those conditions. Cashing-Out is limited to refinance loans and some states have specific guidelines regarding this type of loan. 

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