The Best Mortgage Lenders in Humble, TX
Compare verified mortgage lenders serving Humble, Texas. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Humble
Featured Mortgage Lenders
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a top-rated national mortgage lender with a strong local presence in the Houston metropolitan area, including Humble. Known for its competitive rates and digital mortgage process, the company has consistently high customer satisfaction ratings due to its efficient service, transparent pricing, and wide range of loan options. With over two decades of experience, they are licensed in Texas and have numerous positive reviews highlighting their responsiveness and expertise in handling various mortgage types for homebuyers in the region.
Loan Types:
Movement Mortgage
Movement Mortgage, LLC
Movement Mortgage is highly regarded for its community-focused approach and exceptional customer service in the Humble and greater Houston area. They specialize in a streamlined mortgage process with local loan officers who provide personalized support. With a reputation for quick closings and competitive rates, they have earned numerous industry awards and high ratings from borrowers. Their commitment to giving back to the community and extensive loan product offerings make them a trusted choice for home financing.
Loan Types:
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a consistently top-rated lender with a strong regional presence serving Humble and surrounding areas. Known for its outstanding customer satisfaction and competitive rates, Fairway offers a comprehensive suite of mortgage products and has local experts dedicated to the Texas market. Their years of experience, coupled with a commitment to education and support for homebuyers, have resulted in numerous accolades and high review counts, making them a reliable option for those seeking personalized and efficient mortgage services.
Loan Types:
Frequently Asked Questions
Common questions about mortgage lending in Humble, TX
What are the current mortgage rates like in Humble, TX, and how do they compare to the national average?
Mortgage rates in Humble are closely aligned with national averages, but local competition among lenders can sometimes lead to slightly better terms. As a suburb of Houston, Humble's rates are influenced by the broader Texas and Gulf Coast economic climate. It's always wise to compare offers from local credit unions, regional banks, and national lenders to secure the best rate.
Are there any down payment assistance programs specifically for first-time homebuyers in Humble?
Yes, Humble homebuyers can access the Texas Department of Housing and Community Affairs (TDHCA) programs like the My First Texas Home loan, which offers competitive rates and down payment assistance. Additionally, the City of Humble may occasionally partner with local nonprofits, and Harris County also offers its own Homebuyer Assistance Program, which is accessible to Humble residents.
How does Humble's proximity to Houston and the Energy Corridor affect mortgage lending and home appraisals?
Lenders view Humble favorably due to its stable economy tied to Houston's energy, healthcare, and aerospace sectors, which supports steady employment and property values. Appraisals often consider comparable sales in Humble and similar northeastern Houston suburbs, with values bolstered by the community's amenities and commute access. This stability can make qualifying for a mortgage somewhat easier for buyers with strong employment in these industries.
What should I know about property taxes and insurance when budgeting for a mortgage in Humble, TX?
Property taxes in Humble (within Harris County) are a significant part of your monthly payment, typically ranging from 2.0% to 2.5% of the home's appraised value. Furthermore, due to Texas's exposure to severe weather, including flood zones in some areas, lenders will require homeowners insurance, and often separate flood insurance, which must be factored into your total monthly mortgage escrow payment.
Are there specific loan programs or considerations for buying a home in one of Humble's many master-planned communities, like Atascocita?
Buying in a master-planned community like Atascocita often involves mandatory homeowners association (HOA) fees. Lenders will include these fees in your debt-to-income ratio calculation, which can affect how much you qualify to borrow. Conventional, FHA, and VA loans are all commonly used in these communities, but it's crucial to ensure the community is on your chosen loan program's approved list, especially for FHA loans.
Why Choose a Mortgage Lender in Humble?
Local Market Knowledge
Lenders who understand Humble's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Texas.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Humble and get competitive rates on your home loan.