InSync Loans

Houston Mortgage Loan Programs

Every loan program we offer, in one place. Whether you are buying your first home, writing off half your income, or closing your tenth rental, there is a program built for your situation. We match you with the right one and walk you through every number.

Get Pre-Approved Call 713-548-7350

// Buying a Home

Purchase Programs

From zero-down government programs to jumbo financing, these are the core programs Houston buyers use every day.

Most Common

Conventional Loans

As low as 3% down with PMI that drops off at 20% equity. The workhorse program for buyers with solid credit.

Learn more → Low Down Payment

FHA Loans

3.5% down with credit scores from 580. The most accessible path to homeownership in Houston.

Learn more → Zero Down

VA Loans

For veterans and active military. No down payment, no monthly mortgage insurance, and strong pricing.

Learn more → Zero Down

USDA Loans

No down payment on homes in USDA-eligible areas around greater Houston. Income limits apply.

Learn more → Above Conforming

Jumbo Loans

Financing above the conforming loan limit, with options that work for self employed borrowers.

Learn more → Start Here

First-Time Buyer Programs

A step-by-step path with assistance programs, loan options, and real Houston costs laid out plainly.

Learn more → Assistance

Down Payment Assistance

TSAHC grants up to 5% of the loan amount and City of Houston programs. You do not have to be a first-time buyer for every program.

Learn more → Texas DPA

TSAHC Programs

Home Sweet Texas and Homes for Texas Heroes. Grant money for teachers, first responders, and everyday buyers.

Learn more → Physicians

Doctor Loans

Up to 100% financing with no PMI, up to $2M. Residents and fellows can qualify on a signed contract.

Learn more → Real Property

Manufactured Home Loans

Manufactured homes on land you own, titled as real property and financed like any other house.

Learn more → Build It

Construction Loans

Interim construction financing to build on your own lot, plus the permanent loan when the build is done.

Learn more → Renovate

Home Improvement Loans

Finance the purchase and the renovation together, or fund upgrades on the home you already own.

// Self Employed and Non-QM

Loans Without Tax Returns

Business owners and 1099 earners often look weaker on paper than they are. These programs qualify you on how your business actually performs.

Self Employed

Bank Statement Loans

Qualify on 12 or 24 months of business or personal deposits. No tax returns needed.

Learn more → Flexible Docs

Non-QM and P&L Loans

Profit and loss statements, asset-based qualifying, and other paths for files that do not fit agency rules.

Learn more → First Step

Pre-Approval

A real underwritten look at your file, so you know your actual buying power before you shop.

// Real Estate Investors

Investor Programs

Rental portfolios, flips, and ground-up builds. Most of these programs qualify on the property, not your personal income, and many close in an LLC.

Rental Income

DSCR Loans

Qualify on the property's rental income instead of your W-2s or tax returns. Close in your LLC.

Learn more → Overview

Investment Property Loans

The full menu for Houston rental buyers, with cash flow analysis and financing structure built together.

Learn more → Short Term

Fix and Flip Loans

Purchase plus rehab financing for flips, with draws as the work gets done.

Learn more → Ground Up

Builder Construction Loans

Ground-up construction financing for builders and investors, from single specs to small pipelines.

Learn more → 2 to 4+ Units

Multifamily Loans

Duplexes, triplexes, fourplexes and beyond. House hack with an agency loan or scale with investor programs.

// Already Own a Home

Refinance and Home Equity

Lower the payment, change the term, or put your equity to work. We run the math first so you know exactly when a refinance makes sense.

Rate and Term

Refinance

Lower your rate, shorten your term, or drop mortgage insurance. We run the break-even math with you.

Learn more → Home Equity

Cash-Out Refinance

Turn equity into cash under Texas 50(a)(6) rules, up to 80% of your home's value.

Learn more → 62 and Older

Reverse Mortgage (HECM)

For homeowners 62 and older. Access equity with no monthly principal and interest payment. HUD counseling required.

Not Sure Where You Fit?

Most borrowers fit more than one program, and the cheapest-looking option is not always the one that costs the least over the life of the loan. As a broker, we shop your file across multiple wholesale lenders and compare programs side by side, so you see real numbers instead of one bank's menu.

A few things we do on every file: we pull both FICO and VantageScore where the program allows it and qualify you on the higher score. We check whether a temporary buydown or down payment assistance can be layered on top of your program. And we start with a real pre-approval, not a soft estimate, so your offer holds up.

Want a number for your exact situation? Use the rate quote tool or the mortgage analyzer, or just call 713-548-7350 and tell us what you are trying to do.

Ben Helstein, TX Real Estate Broker TREC #727703-B. NMLS #1577314. InSync Loans NMLS #1829321. Equal Housing Opportunity. All loans subject to credit approval, underwriting guidelines and property approval. This page is general information about published loan programs, not a commitment to lend or an offer of credit, and program availability and terms are subject to change.

Tell Us What You Are Trying to Do

We will run the programs you qualify for side by side and show you the real numbers. No pressure, no obligation.

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