One Lender, Every Corner of Texas
InSync Loans is a licensed Texas mortgage broker. That means we can originate your home loan anywhere in the state, whether you're buying in Houston, Dallas, Austin, San Antonio, Fort Worth, El Paso, Lubbock, Corpus Christi, the Rio Grande Valley, or a small town nobody outside Texas has heard of. Wherever the home is, if it's in Texas, we can finance it.
Our real estate brokerage works in Houston and the surrounding areas. Our lending is statewide. So if you found us through a Houston listing but you're buying somewhere else in Texas, we can still handle your mortgage from application to closing.
What a Broker Does That a Bank Can't
A bank can only offer you the loans on its own shelf. As a broker, we shop your file across multiple wholesale lenders and bring you the program and pricing that actually fit your situation. One application, one point of contact, more options behind it.
- More programs: If one lender says no or prices you poorly, we move the file, not your hopes.
- Self-employed friendly: Bank-statement and other non-QM options for borrowers whose tax returns don't tell the whole story.
- One human start to finish: The person who quotes you is the person who closes you. No call-center handoffs.
Loan Programs We Offer Across Texas
- Conventional: The standard choice for strong credit. As little as 3% down for first-time buyers. Conventional loan details.
- FHA: Lower credit and down-payment thresholds. FHA loan details.
- VA: Zero down for eligible veterans and service members. VA loan details.
- USDA: Zero down in eligible rural areas, which covers a lot of Texas. USDA loan details.
- Jumbo: Financing above conforming limits for higher-priced homes. Jumbo loan details.
- DSCR and investor: Qualify on the property's cash flow, not your pay stubs. DSCR loan details.
- Bank-statement / non-QM: Built for self-employed and 1099 borrowers. Bank-statement loan details.
Refinancing Your Texas Home
We handle rate-and-term and cash-out refinances statewide. We only recommend a refinance when the numbers actually improve your position, and we'll show you the math first. See refinance options and cash-out refinance.
The advertised rate online assumes a flawless borrower. Tell us your real scenario, credit, down payment, property type, income structure, and we'll quote your actual numbers. No teaser, no bait, no surprise at closing.
How It Works
- Tell us your scenario. Apply online or book a call. Getting pre-qualified costs nothing and puts you under no obligation.
- We shop it. We compare options across multiple lenders and bring back your real rate, payment, and costs.
- We close it. One point of contact manages your file all the way to the closing table, wherever in Texas your home is.
Get Your Real Texas Rate
Whether you're buying your first home, refinancing, or investing, start with our free mortgage analyzer to see your real numbers, then apply when you're ready. Real estate clients in Houston and surrounding areas can also explore the Houston Buyer Guide.
Ben Helstein | NMLS# 1577314 | Company NMLS# 1829321 | InSync Loans | Equal Housing Opportunity. Not a commitment to lend. All loans subject to credit approval, income and asset verification, and property valuation.