Welcome to Your Mortgage Guy, your trusted guide to achieving homeownership in the vibrant city of Houston, Texas. Whether you’re a first-time buyer or looking to refinance your current property, our experienced team is here to assist you every step of the way.
At Your Mortgage Guy, we are proud to be one of Houston’s leading mortgage brokers, providing exceptional service and personalized solutions to help you achieve your homeownership goals. With our deep understanding of the local real estate market and strong connections with lenders, we can ensure a smooth and stress-free mortgage process for you.
As a dedicated mortgage broker, Your Mortgage Guy has access to a vast network of reputable mortgage lenders in Houston. This allows us to offer you a wide range of mortgage options tailored to your unique financial situation and preferences. Whether you’re interested in a conventional loan, government-backed mortgage, or specialized program, we have the expertise to find the ideal fit for you.
We understand that every client’s financial situation is unique. At Your Mortgage Guy, we take the time to listen and understand your specific needs and long-term objectives. Our team works tirelessly to present you with mortgage solutions that align perfectly with your financial goals. Our goal is to secure the most favorable terms and competitive interest rates, custom-tailored to your needs.
Navigating the mortgage process in Houston, TX, can be overwhelming, but with Your Mortgage Guy as your partner, it becomes a seamless journey. We handle all the paperwork and negotiate with lenders on your behalf, saving you time and effort. Our experts will guide you through the entire application process, providing regular updates and answering any questions you may have along the way.
Houston is a city with diverse neighborhoods, each offering its own unique charm and lifestyle. As a local mortgage broker, Your Mortgage Guy has in-depth knowledge of the Houston real estate market. Whether you’re interested in the energy of Downtown Houston, the cultural richness of Montrose, or the family-friendly suburbs, we can provide valuable insights to help you make informed decisions.
At Your Mortgage Guy, we pride ourselves on providing expert guidance and transparent communication throughout your mortgage journey. We want you to feel confident and informed at every step of the process. Our team is always available to address your questions and provide valuable advice, ensuring you make the best decisions for your future home.
Ready to turn your dream of homeownership into a reality in Houston, TX? Contact Your Mortgage Guy today to schedule a consultation with one of our experienced mortgage professionals. Let us be your trusted partner on this exciting journey, and together, we’ll unlock the doors to your dream home.
Mortgage Home Purchase Loans without the Hassle!
Need financing options on a home, or other real estate? Choosing a purchase loan product that matches your goals and making sure you get the best rate for your given scenario can feel like playing whack-a-mole.
We’re here to make the home loan process a whole lot easier, with tools and expertise that will help guide you along the way, starting with a FREE pre-approval letter request.
We’ll help you clearly see differences between loan programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.
The Home Purchase Loan Process
Here’s how our home purchase loan process works:
To qualify for a mortgage, lenders typically require that you have a debt-to-income ratio of “43/49.” This means that no more than 43% of your total monthly income (from all sources, before taxes) can go toward your new mortgage payment, and no more than 49.99% of your monthly income can go toward your total monthly debt (including your mortgage payment). VA and FHA loans even allow for higher debt ratios on a case by case basis.