Mortgage Broker in Houston, TX
Harris County · Houston–Pasadena–The Woodlands metro
Houston's buyer profile spans everything from Heights bungalows to Memorial estates and EaDo new-construction. Harris County's flood-zone overlays add underwriting nuance that a broker familiar with Texas flood certs and elevation docs navigates faster. Rich Home Loans handles Houston purchases and refinances end-to-end.
Loan programs in Houston
- Conventional — 2026 baseline conforming loan limit is $806,500 for a 1-unit home. Some counties exceed the baseline; check the current limit for Harris County at searchconformingloanlimits.com.
- FHA — low down payment (as little as 3.5%), flexible credit. FHA loan limits are set at the county level and change yearly.
- VA — 0% down for eligible service members and veterans, no mortgage insurance. County VA limits no longer apply to borrowers with full entitlement.
- Jumbo — for purchases above the conforming limit in Harris County. Rates and guidelines vary by lender; we shop the options.
- Refinance — rate-and-term and cash-out refinances on your Houston property.
Houston neighborhoods we serve
- · Heights
- · Montrose
- · Memorial
- · Bellaire
- · River Oaks
- · EaDo
Not listed? We finance homes throughout Harris County.
Why a broker — not a big-bank retail LO
As a broker, RICH Home Loans shops the same loan across multiple wholesale investors on your behalf. Big-bank retail loan officers can only sell their own bank's product, whether or not it's the best fit. For a purchase in Houston, that often means a lower rate, lower closing costs, or both.
Rich Blanchard is a 30-year mortgage veteran. The numbers on your quote are the numbers you close at — no bait-and-switch.
Closing Checklist
The 84-item checklist Rich uses to review every Closing Disclosure before you sign.
Banking After Hours
Full PITI + DTI + pre-qualification, 24/7. No credit pull.
Book a call
Free 15-minute scenario review. Weekends OK.
Other Houston–Pasadena–The Woodlands cities we serve
Ready to start?
Licensed in CO, TX, KS, and MO. Call, text, or email — or run your scenario yourself at Banking After Hours.