Communication. Speed. Technology.

Experience the power of Texas Premier Mortgage a trusted Mortgage Broker!

Texas Premier Mortgage is rated as 1 of the best Houston Mortgage Lenders for 2022, 2021, 2020, and 2019! Houston, TX Mortgage Lenders

Your Community Lender:

While there are many places to get your next mortgage to purchase or refinance, not all lenders are created equally. Texas Premier Mortgage has provided home loans in the greater Houston area for over 15 years.

We’re a team of mortgage specialists that’s committed to treating our clients with outstanding customer service, excellent communication, and competitive interest rates. We know that questions regarding your home loan don’t always arise during normal business hours, which is why we’re available for questions at any time, including nights and weekends. Whether you’re buying your first home or refinancing your current home, we have the experience and expertise to help you find the right loan for your family’s individual financial situation, needs, and goals.

The Mortgage Process Overview:

1. Mortgage Pre-Approval
   Pre-approvals are step 1. They involve pulling a credit report that shows your credit score and credit history as reported by third-party, respected institutions. We will also review your income, assets, and budget. This helps to be able to pinpoint a loan amount for which you qualify. Mortgage pre-approvals also signal to the seller that you’re a serious buyer.
2. Home Search
   Once you have found your home and made an offer you will hopefully have the deal approved by both parties. With the terms of the deal approved by both parties, the purchase agreement (a binding offer) is signed by the seller and buyer. At this point, you can move forward to finalize the loan.
3. Mortgage Loan Application
   We will work with you at this stage to gather the needed documents from you and start the loan application process. We will provide a Loan Estimate, which includes closing costs, the interest rate, and monthly payments (principal, interest, taxes, and insurance).
4. Loan Processing
   Loan processors gather documentation about the borrower and property, review all information in the loan file and assemble an orderly and complete package for the underwriter.
5. Underwriting
   The underwriter will review the documentation provided and assist our processing team to clear your loan conditions. They closely evaluate all the documentation prepared in the loan package. They cross-check to see if the borrower and property match the eligibility requirements of the loan product for which the borrower applied. Underwriters review the borrower’s credit history and their capacity to repay the loan.
6. Closing
   The closing is the moment for which you’ve been waiting. It’s time to sign a bunch of documents and complete your purchase or refinance. Some docs seal the deal between you and the lender. Other docs seal the deal between you and the seller (if it’s a purchase transaction).When everything is signed, your participation in the closing meeting is done. Congrats! The very last closing items happen in the background; the title company will complete the recording and funding.

Purchasing Your First Home?

Finding the right loan for your family.

Here at Texas Premier Mortgage, we pride ourselves on providing excellent customer service and taking the time to educate our clients. If you’re looking to purchase your first home, it’s likely the largest purchase you’ve made thus far. Work with a mortgage expert to help you navigate the process.

There are a variety of loans available to first-time homebuyers, including conventional loans, both fixed- and adjustable-rate, and government-insured loans, such as FHA and VA loans. Allow our team of mortgage experts to walk you through the various options available. Houston, TX mortgage lenders

We will always try to make the loan process as simple as we possibly can. If you have any questions at all, we can help answer them and help you to understand the process in full.

Contact us today for more details!