Houston Mortgage Broker
Buying, building, or refinancing in Houston? Independent broker Mike Stanley compares dozens of lenders on rate, closing costs, and monthly payment — so you find out what the market will really offer before you sign.
Apply Now Call (817) 455-8864Houston rewards borrowers who shop around
Houston is one of the most affordable big-city housing markets in the country, and that affordability is exactly why the loan terms matter so much. When the purchase price is reasonable, the difference between a good rate and a mediocre one becomes the biggest number in the deal. A bank quotes you one price. As an independent broker, Mike puts lenders in competition and shows you the offers side by side.
The area’s energy companies, port, and the Texas Medical Center move people into Houston year-round, often on a tight closing timeline. Mike handles the lender side directly so relocations and first purchases don’t stall. The consultation and quote are free — and our mortgage FAQ answers what most people ask first.
2026 loan limits in Harris County
These figures set which loan programs a Houston-area home qualifies for in 2026:
Conforming (conventional) limit
The ceiling for standard conventional financing backed by Fannie Mae and Freddie Mac on a single-family home.
FHA limit
Harris County’s FHA ceiling is lower than the Dallas–Fort Worth counties’ — worth knowing if you are comparing across Texas metros.
Above the limit?
Common in River Oaks, Memorial, and West University. Mike shops jumbo lenders the same way — by making them compete.
Limits shown for one-unit properties in Harris County for 2026. Multi-unit limits are higher, and neighboring counties can differ — ask Mike about your specific address.
Flood zones and your loan
Houston is the one Texas market where flood risk regularly affects financing, and it catches buyers off guard. If a property sits in a FEMA-designated Special Flood Hazard Area, a federally backed lender will require flood insurance before closing — and that premium becomes part of your monthly housing cost, sometimes by a meaningful amount.
Check before you fall in love with the house
Two homes on the same street can sit in different flood zones. Knowing the designation early tells you whether flood insurance is required and what it does to your real monthly payment — so the number you budget is the number you actually pay. Mike factors it in from the start rather than letting it surface days before closing.
Loans for how Houston is built
Beyond purchases and refinancing, Mike arranges the full range of loan programs the region runs on: FHA and VA loans, first-time homebuyer programs, construction financing for new builds in the master-planned communities out toward Katy, Cypress, and Sugar Land, investment property loans for Houston’s deep rental market, commercial real estate, and working capital for local businesses.
Serving Houston and the surrounding region
Licensed across Texas, Mike works with borrowers in Houston, Katy, Sugar Land, The Woodlands, Cypress, Pearland, Spring, League City, and throughout Harris and the neighboring counties — and you work directly with Mike at every step, not a national call center.
Mike also works with borrowers in Austin, Dallas, and the Texas Hill Country.
Get your free Houston rate quote
See what lenders will actually compete to offer you — including the real monthly payment, flood insurance and all. Call (817) 455-8864, reach us through our contact page, or start your application online.
Apply Now