Your Home. Your Loan.
One Team.
InSync Homes & Loans is Houston's one-stop shop for real estate and mortgage services. We handle your home search and your financing under one roof so nothing falls through the cracks.
Why One Broker for Both?
Real Estate + Mortgage,
Under One Roof
Most buyers juggle a separate agent and lender who never talk to each other. With InSync, your home search and your financing move together from day one.
Buy a Home
Expert guidance through the Houston market. From your first search to the closing table, we find the right home and structure the right deal.
Learn More →Sell Your Home
Strategic pricing, preparation guidance, and market positioning to sell your Houston home for the best price in the shortest time.
Learn More →Get Financing
FHA, Conventional, VA, DSCR, and more. We match you with the right loan and walk you through every number.
View Loan Options →Refinance
Lower your rate, access equity, or shorten your term. We run the math so you know exactly when refinancing makes sense.
Learn More →New Construction
Navigate builder incentives, financing timelines, and construction risks. We know Houston's builders and what to watch for.
Learn More →Investment Property
DSCR loans, cash flow analysis, and investor strategy. Build your Houston rental portfolio with the right financing structure.
Learn More →Why One Broker
Changes Everything
When your real estate broker and mortgage broker are the same team, every decision is coordinated. Your offer strength, your financing structure, and your timeline all move together.
Aligned Strategy
Your offer and your financing are built together, not in separate silos.
Faster Process
One team means no waiting on third parties to relay information.
No Surprises
We catch payment shifts, insurance changes, and closing cost issues before they become problems.
Total Transparency
Every number is explained. You understand your real buying power, not just a pre-approval letter.
Loan Products We Offer
Every buyer's situation is different. We match you with the right loan, not the easiest one to process.
FHA Loans
As little as 3.5% down with credit scores from 580. The most accessible path to homeownership in Houston.
Learn more →Conventional Loans
Competitive rates with as low as 3% down. PMI drops off at 20% equity. Best for strong credit profiles.
Learn more →VA Loans
For veterans and active military. No down payment, no PMI, and the best rates available.
Learn more →First Time Buyer Programs
Step-by-step guide with DPA programs, loan options, and real Houston costs. Start here if it's your first home.
Learn more →Down Payment Assistance
TSAHC grants up to 5%, City of Houston HAP up to $30,000. You may qualify even if you're not a first-time buyer.
Learn more →DSCR & Investment Loans
Qualify on rental income — no W-2s or tax returns. Close in your LLC. Scale your Houston rental portfolio.
Learn more →Jumbo Loans
For homes above $832,750. Competitive rates for Houston's luxury and high-value properties.
Learn more →Bank Statement Loans
12-24 months of bank statements instead of tax returns. Built for self-employed Houston buyers.
Learn more →Non-QM Loans
Asset-based, recent credit events, foreign national, and interest-only. If traditional lending says no, there's a path.
Learn more →Multifamily Loans
Finance 5 to 25 unit apartment buildings in Houston. Agency, bank portfolio, bridge, and SBA options for investors scaling up.
Learn more →Neighborhoods We Serve
Deep local knowledge across Houston's most in-demand areas.
Houston Housing Market
Key metrics for the Greater Houston real estate market.
What Our Clients Say
Real reviews from real Houston buyers and sellers.
Ben was incredibly clear and patient, explaining every step of the process, and effectively bringing us to the closing in a timely manner. Professional and knowledgeable about all parts of the process.
Cynthia helped us sell our home in under three weeks. She priced it perfectly, handled every showing, and negotiated an offer above asking. The whole process was stress-free from listing to closing.
My experience with Ben has been more than I can ever ask for. Buying a home is not easy but Ben was guiding me every step of the way. His inspiring words: "Where there's a will, there's a way."
Cynthia was wonderful through our entire home search. She showed us houses virtually from out of state, gave detailed descriptions of each property, and helped us make an informed decision from a distance.
We were nervous about selling our first home but Cynthia walked us through everything — staging advice, pricing strategy, and what to expect at each step. She made it feel easy and we closed in 21 days.
Ben handled both the sale of our old home and the financing on our new one. Having one team manage everything saved us so much time and back-and-forth. We closed both transactions within a week of each other.
Meet Ben & Cynthia
A husband and wife team covering both sides of your transaction. Ben handles the mortgage, Cynthia handles the real estate. One team, no miscommunication.
Houston Homes for Sale
Browse the latest listings across Houston and surrounding areas.
Ready to Get Started?
Whether you're buying, selling, or refinancing, schedule a free consultation and let's build your plan together.
Houston Real Estate FAQ
Common questions from Houston home buyers and sellers.
What does it cost to use a real estate agent when buying a home in Houston?
In most cases, buyers pay nothing out of pocket for their real estate agent. The seller typically covers the buyer's agent commission as part of the transaction. At InSync, we make our fee structure transparent before you sign anything so there are never surprises at closing.
How much do I need for a down payment on a Houston home?
Down payment requirements vary by loan type. FHA loans start at 3.5% down, conventional loans at 3%, and VA loans require zero down for eligible veterans. Texas also offers down payment assistance programs like TSAHC and the City of Houston HAP that can cover up to $30,000. We help you find the right combination for your budget.
What are the best neighborhoods to buy a home in Houston?
It depends on your priorities. Katy and Cypress are popular for families and top rated schools. Sugar Land and The Woodlands offer master planned communities. The Heights and Montrose appeal to buyers who want walkability and urban character. Pearland and Brays Oaks provide strong value. We help match your lifestyle and budget to the right area.
Can the same person handle both my mortgage and home search?
Yes. InSync Homes and Loans is a combined real estate and mortgage brokerage. Ben handles your financing while Cynthia handles your home search. Because we operate as one team, your offer strategy and loan structure are always aligned. This eliminates the miscommunication that happens when your agent and lender are at separate companies.
How long does it take to buy a house in Houston?
The typical timeline from contract to closing is 30 to 45 days. Getting pre-approved takes one to two business days with InSync. The full process from first search to closing usually takes 60 to 90 days, depending on your price range and how competitive the market is. Having your mortgage and real estate handled by one team can shorten that timeline significantly.