Best Mortgage Broker in Texas

Competitive Mortgage Rates, Expert Guidance & Personalized Home Financing

Buying a home is one of the biggest financial decisions you’ll ever make. Whether you’re purchasing your first home, refinancing, or expanding your investment portfolio, choosing the right mortgage broker can save you time, money, and frustration.

Texas Premier Mortgage helps borrowers throughout Texas compare financing options from multiple wholesale lenders, providing access to competitive mortgage rates and loan programs tailored to a wide range of financial situations.

For more than 20 years, we’ve helped homebuyers, homeowners, veterans, self-employed professionals, and real estate investors secure financing with confidence.

Whether you’re buying in Houston, Dallas, Austin, San Antonio, The Woodlands, Katy, or anywhere in Texas, we’re committed to delivering:

• Competitive mortgage rates
• Fast pre-approvals
• Excellent communication
• Modern technology
• Personalized mortgage solutions

Our mission is simple: make the mortgage process easier while helping you choose financing that supports your long-term financial goals.

Why Choose Texas Premier Mortgage?

Finding a lender is easy.

Finding a mortgage broker who combines experience, communication, competitive pricing, and personalized service is much harder.

Texas Premier Mortgage is an independent mortgage broker, which means we’re not limited to one bank’s loan products. Instead, we compare financing options from multiple wholesale lenders to help you find a loan that fits your needs.

Our clients choose us because we provide:

• Access to multiple lenders
• Competitive wholesale pricing
• Personalized loan recommendations
• Fast underwriting and closings
• Digital application technology
• Responsive communication
• Local Texas market expertise

Whether you’re purchasing a primary residence, refinancing, or financing investment property, we work to simplify every step of the process.

Meet Steve Head – # 1 Texas Mortgage Broker

Experience matters when choosing someone to guide one of the largest financial decisions of your life.

Steve Head has spent more than two decades helping Texans purchase homes, refinance existing mortgages, and build wealth through real estate investing.

As the Mortgage Broker of Texas Premier Mortgage, Steve specializes in helping:

• First-time homebuyers
• Move-up buyers
• Veterans
• Self-employed borrowers
• Real estate investors
• Luxury home buyers

His expertise includes Conventional, FHA, VA, USDA, Jumbo, DSCR, Bank Statement, Profit & Loss, Asset-Based, and investment property financing.

Steve has also earned recognition throughout his career, including:

• Top 1% Producer within the UWM network
• Diamond Status Mortgage Lender
• Best of The Woodlands
• Best Mortgage Company in Houston

His business is built on three simple principles:

Communication. Speed. Technology.

These values continue to drive Texas Premier Mortgage today.

Mortgage Broker vs. Bank

Many borrowers start with their local bank. The advantage of working with a mortgage broker is flexibility & working with a Mortgage Expert!

Instead of offering only one lender’s mortgage products, Texas Premier Mortgage compares multiple wholesale lenders to help identify financing options that fit your goals.

Texas Premier Mortgage	Many Banks
Multiple lenders	✔
Wholesale pricing	✔
DSCR financing	✔
Bank Statement loans	✔
Investor financing	✔
Personalized recommendations	✔

Every borrower’s financial situation is different, which is why having access to multiple lenders can create more financing opportunities.

Texas Loan Programs

Conventional Loans

Ideal for many primary residences, second homes, and investment properties with competitive rates and flexible down payment options. Learn More

FHA Loans

Designed to help more borrowers achieve homeownership with flexible qualification guidelines and lower down payment requirements. Learn More

VA Loans

Helping eligible veterans and active-duty military members take advantage of valuable VA home loan benefits. Learn More

USDA Loans

Zero-down financing available for eligible borrowers purchasing homes in qualifying rural communities. Learn More

Jumbo Loans

Financing solutions for luxury homes and higher-priced properties throughout Texas. Learn More

Bank Statement Loans

Designed for self-employed borrowers whose tax returns may not fully reflect their income. Learn More

DSCR Loans

One of our most popular investor loan programs.

Instead of qualifying primarily with personal income, DSCR loans focus on the property’s rental income, making them an excellent option for many real estate investors looking to expand their portfolios. Learn More

Asset-Based Loans

Alternative qualification for borrowers with substantial assets.

Foreign National Loans

Financing options for eligible international buyers purchasing property in Texas. Learn More

Cash-Out Refinancing

Access your home’s equity to consolidate debt, renovate your home, or invest in future opportunities. Learn More

Why Texas Is a Great Place to Buy Real Estate

Texas remains one of the nation’s strongest real estate markets thanks to continued population growth, a diverse economy, business-friendly policies, and opportunities for both homeowners and investors.

Whether you’re purchasing your first home or expanding a rental portfolio, Texas offers a wide range of housing markets to fit different budgets and investment goals.

At Texas Premier Mortgage, we help clients finance properties across the state, from major metropolitan areas to growing suburban communities.

Why Investors Choose Texas Premier Mortgage

Real estate investors often have different financing needs than traditional homebuyers.

Our team works with investors purchasing:

• Single-family rentals
• Multi-family properties
• Vacation homes
• Long-term rentals
• Portfolio expansion
• LLC purchases
• Cash-out refinances

DSCR financing has become one of our specialties, helping investors qualify based on property cash flow rather than traditional income documentation.

The Mortgage Process

We’ve simplified the mortgage process into five easy steps:

1. Consultation & Pre-Approval
2. Loan Selection
3. Processing & Underwriting
4. Clear to Close
5. Closing Day

Throughout the process you’ll receive regular updates so you always know exactly where your loan stands.

Areas We Serve in Texas

Texas Premier Mortgage proudly serves borrowers throughout the entire state of Texas, including:

Houston • Dallas • Fort Worth • Austin • San Antonio • The Woodlands • Conroe • Magnolia • Spring • Katy • Cypress • Plano • Frisco • McKinney • Georgetown • Round Rock • Corpus Christi • Lubbock • Tyler • College Station • El Paso • The Woodlands • Willis • Tomball • Kingwood • Weatherford • Galveston • Lake Jackson • Odessa • Abilene  and many more.

Frequently Asked Mortgage Questions

1. Why should I use a mortgage broker instead of a bank?

A mortgage broker works with multiple wholesale lenders, giving you access to a wider range of loan programs, competitive mortgage rates, and financing options than many banks can offer. Instead of being limited to one lender’s products, Texas Premier Mortgage helps you compare solutions that best fit your financial goals.

2. What makes Texas Premier Mortgage different from other mortgage companies?

Texas Premier Mortgage combines over 20 years of lending experience with personalized service, responsive communication, and access to multiple wholesale lenders. We focus on educating borrowers, providing competitive financing options, and making the mortgage process as smooth as possible.

3. What mortgage loan programs do you offer?

We offer a wide variety of home loan solutions, including Conventional, FHA, VA, USDA, Jumbo, DSCR, Bank Statement, Profit & Loss, Asset-Based, Foreign National, Investment Property Loans, Home Equity Loans, Cash-Out Refinancing, and more.

4. How do I get pre-approved for a mortgage?

Getting pre-approved starts with completing a mortgage application and providing documentation such as income, assets, employment information, and authorization to review your credit. Once reviewed, we’ll help determine the loan programs that best fit your situation.

5. How long does the mortgage process usually take?

While every loan is different, many home loans close in 2 – 3 weeks after receiving all required documentation.

6. What documents will I need to apply?

Most borrowers should expect to provide:

• Photo ID
• Recent pay stubs
• W2s or tax returns (when applicable)
• Bank statements
• Employment information
• Asset documentation

Additional documents may be requested depending on the loan program.

7. What credit score do I need to qualify?

Minimum credit score requirements vary depending on the loan program. We review your complete financial profile to help identify financing options that best match your qualifications.

8. How much money do I need for a down payment?

Down payment requirements depend on the mortgage program. Some loans require as little as 3% down, while eligible VA and USDA borrowers may qualify for 0% down financing.

9. What is a DSCR loan?

A Debt Service Coverage Ratio (DSCR) loan is designed primarily for real estate investors. Qualification is based largely on the property’s rental income rather than your personal income, making it an attractive financing option for many investment property owners.

10. Can self-employed borrowers qualify for a mortgage?

Yes. Texas Premier Mortgage offers several loan options designed specifically for self-employed borrowers, including Bank Statement Loans, Profit & Loss Loans, and Asset-Based financing.

11. Do you offer financing for investment properties?

Absolutely. We help investors finance single-family rentals, multi-unit properties, vacation homes, long-term rental properties, and investment purchases through LLCs using a variety of specialized loan programs.

12. Can I purchase an investment property through an LLC?

Yes, many of our investment loan programs allow eligible borrowers to purchase qualifying investment properties using a Limited Liability Company (LLC).

13. Do you offer Jumbo Loans?

Yes. We provide Jumbo Loan financing for qualified borrowers purchasing higher-priced homes throughout Texas with both fixed-rate and adjustable-rate options.

14. Can I refinance my current mortgage?

Yes. We offer both rate-and-term refinancing and cash-out refinancing to help homeowners lower monthly payments, access equity, consolidate debt, or achieve other financial goals.

15. How are mortgage interest rates determined?

Mortgage rates are influenced by several factors, including market conditions, inflation, bond markets, loan type, credit score, down payment, loan amount, and property occupancy. We’ll help you compare available options to determine the financing strategy that best meets your goals.

16. Do you work with first-time homebuyers?

Yes. We enjoy helping first-time homebuyers understand the mortgage process, compare financing options, and confidently navigate each step from pre-approval through closing.

17. What areas of Texas do you serve?

Texas Premier Mortgage proudly serves borrowers throughout the entire state of Texas, including Houston, Dallas, Fort Worth, Austin, San Antonio, The Woodlands, Conroe, Magnolia, Spring, Katy, Cypress, Plano, Frisco, McKinney, Lubbock, Tyler, College Station, Corpus Christi, El Paso, and many other communities.

18. Why do real estate investors choose Texas Premier Mortgage?

Investors choose Texas Premier Mortgage because of our experience with DSCR loans, Bank Statement financing, LLC purchases, investment property loans, portfolio expansion strategies, and responsive communication throughout the loan process. We have the most advanced and newest DSCR Products in the country for Texas investors.

19. Why do so many Realtors recommend Texas Premier Mortgage?

Our referral partners appreciate our fast pre-approvals, consistent communication, reliable closing timelines, and commitment to keeping buyers, agents, and all parties informed from contract to closing.

20. Why choose Texas Premier Mortgage?

Choosing a mortgage company is about more than interest rates. At Texas Premier Mortgage, you’ll receive experienced guidance, competitive financing options, responsive communication, and personalized service backed by more than two decades of helping Texans achieve their homeownership and investment goals.

Ready to Get Started?

Whether you’re buying your first home, refinancing, or financing your next investment property, Texas Premier Mortgage is here to help.

Our experienced team will compare mortgage options, explain your choices, and guide you through every step of the process.

Contact Texas Premier Mortgage today to get pre-approved and discover why borrowers across Texas trust us with their home financing.