C&T Mortgage Inc.
Jennifer No
RMLO
C&T Mortgage, Inc
18739 Mueschke Rd – Ste B
Cypress, TX 77433
832-220-1480 (office)
936-525-7225 (cell)
Company NMLS: 1231852
Individual NMLS: 1310829
Texas Mortgage Loan Options
Find the Right Home Loan for Your Goals
Choosing the right mortgage is just as important as finding the right home. The loan you select can impact your down payment, monthly payment, interest costs, and overall financial future for years to come.
The good news? You don't have to figure it out on your own.
Every homebuyer's situation is unique, which means there isn't a one-size-fits-all mortgage. Whether you're a first-time homebuyer, a military veteran, purchasing a luxury home, buying an investment property, or refinancing your current mortgage, I'll help you compare your options and choose the loan program that best fits your needs and long-term goals.
As an independent Texas mortgage broker, I have access to multiple lenders and a wide variety of loan programs, allowing me to find financing that's tailored to you—not just one lender's products.
Explore the mortgage options below to learn more about each loan program, or contact me for personalized guidance. Together, we'll find the financing solution that's right for you.
Not sure which loan is best? Contact me today for a personalized mortgage consultation or to get pre-approved anywhere in Texas.
Jennifer No
RMLO
C&T Mortgage, Inc
18739 Mueschke Rd Ste B
Cypress, TX 77433
832-220-1480 (office)
936-525-7225 (cell)
Company NMLS: 1231852
Individual NMLS: 1310829
Conventional Fixed-Rate Mortgages
A Conventional Fixed-Rate Mortgage is one of the most popular home loan options for Texas homebuyers. With competitive interest rates, flexible down payment options, and fixed monthly payments, conventional loans are ideal for borrowers with established credit who want predictable payments and long-term stability. Whether you're purchasing your first home, upgrading, or refinancing, I'll help you determine if a conventional mortgage is the right fit for your financial goals.
FHA Mortgages
An FHA loan is a great option for first-time homebuyers and borrowers with lower down payments or less-than-perfect credit. Backed by the Federal Housing Administration, FHA mortgages offer flexible credit requirements, competitive interest rates, and down payments as low as 3.5% for qualified buyers. If you're looking for an affordable path to homeownership in Texas, an FHA loan may be the perfect solution.
VA Loans
A VA home loan is an exclusive benefit available to eligible veterans, active-duty military members, and qualifying surviving spouses. VA loans offer 100% financing with no down payment for most eligible borrowers, no monthly private mortgage insurance (PMI), and competitive interest rates. If you've served our country, I'll help you maximize your VA loan benefits and make the homebuying process as simple as possible.
USDA Loans
A USDA home loan is an excellent option for eligible homebuyers looking to purchase a home in qualifying rural and suburban areas of Texas with no down payment. Backed by the U.S. Department of Agriculture, USDA loans offer competitive fixed interest rates, affordable monthly payments, and flexible credit guidelines for qualified borrowers. Many communities just outside major cities qualify for USDA financing, making homeownership more accessible than many buyers realize. If you're wondering whether a property or your income qualifies, I'll help you explore your options and determine if a USDA loan is the right fit for your home purchase.
Jumbo Mortgages
A Jumbo home loan is designed for buyers who need financing above the conforming loan limits. Whether you're purchasing a luxury home, a custom-built home, or a higher-priced property in Texas, Jumbo loans offer flexible financing options with competitive interest rates for qualified borrowers. I'll help you compare multiple Jumbo loan programs to find the best solution for your budget and long-term financial goals.
Investment Property Loans
Whether you're buying your first rental property or expanding your real estate portfolio, Investment Property Loans provide financing solutions for long-term rentals, vacation homes, and income-producing properties. I offer both Conventional investment loans and DSCR (Debt Service Coverage Ratio) loans, giving investors flexible financing options based on their unique goals. From first-time investors to experienced real estate professionals, I'll help you find the right loan to grow your investment portfolio throughout Texas.