With Champions Mortgage, Texas home buyers get competitive mortgage rates, personalized guidance, and fast closings. As a local Texas mortgage lender, we help families across the Lone Star State find the right home loan — from Houston to Dallas, San Antonio to Austin, and every community in between.
Applicants Close with Us
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Applicants Close with Us
Loan Approval
Customer Satisfaction
Champions Mortgage gives Houston homebuyers direct access to wholesale mortgage rates from top lenders across Texas. Whether you’re purchasing your first home in Katy or refinancing in Sugar Land, the rate you see here is the rate we can work with — no hidden fees, no bait-and-switch.
| Interest | APR | Points |
|---|---|---|
| 5.500% | 5.500% | -0.625 |
| Interest | APR | Points |
|---|---|---|
| 15 Year Fixed | 4.795% | -0.47 |
| Interest | APR | Points |
|---|---|---|
| 4.750% | 5.448% | -0.745 |
| Interest | APR | Points |
|---|---|---|
| 4.750% | 4.935% | -0.614 |
Texas housing market moves fast, and the lender you choose directly affects your rate, your closing timeline, and your offer’s competitiveness. Champions Mortgage gives Texas homebuyers access to wholesale mortgage pricing through a network of top-rated lenders — the same pricing typically reserved for large institutions.
Our loan officers specialize in FHA loans, VA loans, conventional mortgages, DSCR loans for real estate investors, and Non-QM bank statement programs for self-employed borrowers. We also offer down payment assistance programs and halal financing for buyers seeking Shariah-compliant home loans in Houston.
As a Texas-licensed mortgage broker (Company NMLS #1706471), we’re also licensed in Florida, Georgia, and North Carolina. Since 2017, we’ve helped over 1,000 Houston-area families close on time — with an average closing cost of 1–3%, well below the national average of 3–6%
We make home buying hassle-free with clear terms and a variety of loan options to match your financial goals. Our mortgage lenders in Texas don’t just get you into a house we help you make home an investment that works for your budget. Mortgage rates change daily, so having a lender who monitors the market matters.
When you’re ready to buy a home in Texas, you need a mortgage lender who understands the local market. From conforming loan limits in Houston to properties in Texas hill country, our loan officers guide you through every home purchase with personalized attention. We’ll help you find the right loan for your situation — whether that’s a conventional loan, FHA loan, or VA loan.
Mortgage refinance can lower your monthly payments, shorten your loan term, or let you tap into home equity for improvements or other expenses. If you’re looking to refinance, our Texas mortgage team helps you evaluate whether the timing and terms make sense for your financial situation. We work with lenders who offer competitive rates across all loan types.
As an independent mortgage broker, Champions Mortgage shops your loan across multiple wholesale lenders simultaneously. That means you get competing offers — and we negotiate on your behalf to lock the lowest available rate for your credit profile and purchase situation. Most Houston homebuyers save $200–$400/month compared to going directly to a bank.
Choosing the right lender can save you thousands over the life of your mortgage loan. Unlike big banks or a credit union of Texas that only offers their own products, Champions Mortgage works with a network of lenders to find the mortgage rate that works for your budget. Our mortgage loan officers take time to understand your financial picture before recommending a loan program.
Did you know closing costs for a home purchase can range from 3% to 6% of the purchase price? On a $300,000 Texas home, that’s up to $18,000 in fees. At Champions Mortgage, we work to keep your closing costs between 1% and 3% of the sales price. We also offer FHA Down Payment Assistance Programs and 0% Down Programs to help you keep more cash on hand.
With Champions Mortgage, we keep your closing costs between 1% to 3% of the sales price and even have several Conventional Grant Programs, FHA Down Payment Assistance Programs & 0% Down Programs to keep your cash to close minimal during the home financing process.
Nothing matters more than finding a home in Texas you’re proud to call your own. If you’ve struggled to get a mortgage elsewhere, our Texas mortgage company is here to help. The promise of home ownership shouldn’t be out of reach because of paperwork or complicated requirements.
Champions Mortgage gives Houston homebuyers access to the full range of residential loan programs — FHA loans with 3.5% down, VA loans for veterans and active military, conventional mortgages, DSCR loans for real estate investors, bank statement loans for self-employed borrowers, and Shariah-compliant halal financing. Our loan officers match you to the right program based on your credit profile, income structure, and purchase goals — not just what’s easiest to close.
1
Lock in today’s mortgage rate for the life of your loan. Fixed-rate mortgages provide predictable monthly payments , ideal for home buyers who plan to stay in their Texas home long-term. We help you secure the rate that fits your budget.
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Start with lower initial interest rates and potentially save thousands in the early years of your loan. ARMs work well for buyers who plan to refinance or sell within 5-7 years. Our team explains how rate adjustments work so there are no surprises.
3
FHA loans are designed for first time home buyers and those with moderate credit scores. With down payments as low as 3.5%, FHA home loans Texas make home ownership accessible to more Texas families. We’re experienced with FHA loan limits and requirements.
4
DSCR loans let real estate investors qualify based on a property’s rental income — not their personal tax returns. If the rental income covers the debt service, you qualify. Champions Mortgage offers DSCR financing for single-family rentals, multi-unit properties, and short-term rental investments across Texas, Florida, Georgia, and North Carolina. No W-2 required.
5
Conventional loans offer flexibility for buyers with strong credit and stable income. Choose from 15, 20, or 30-year terms based on your goals. We help Texas home buyers understand Texas conforming loan limits and how they affect your financing options.
6
VA loans Texas offer eligible veterans and active-duty military members 0% down payment options with no private mortgage insurance required. As a Texas mortgage lender, we’re proud to serve those who served our country with dedicated VA loan expertise.
7
Purchasing a home above the conforming loan limit in Texas? Jumbo loans finance properties above $766,550 without breaking into multiple loans. Champions Mortgage works with jumbo loan lenders offering competitive fixed and adjustable rates for high-value homes in Houston, River Oaks, Sugar Land, and The Woodlands neighborhoods.
Our Islamic Loan in Texas are structured to comply with Islamic finance principles, offering Shariah-compliant alternatives to traditional interest-based mortgages. We help Muslim homebuyers achieve homeownership while honoring their faith and financial values.
9
Construction loans Texas provide financing for building a new home from the ground up. We guide Texas borrowers through each phase—from land purchase to construction draws—ensuring a smooth transition to permanent financing once the home is complete.
Every home buyer deserves a loan officer who listens. Our mortgage team takes time to understand your goals, whether you’re buying your first home or refinancing your 5th. We’re not just mortgage lenders — we’re your partners in homeownership. Contact our Houston home loans specialists today.
We keep closing costs between 1-3% — significantly lower than the industry average of 3-6%. Plus, our FHA Down Payment Assistance Programs and 0% Down Programs help you keep more cash in your pocket. That’s a great mortgage benefit you won’t find everywhere.
You’re never alone when you work with us. We know how confusing mortgages are, and we work with you step by step to ensure you never feel out of the loop. Whether you have questions about the home buying process, certain terms, or other conditions, we’ll make you feel like a mortgage pro with easy-to-understand explanations.
Your success and happiness are our number one priorities. We will always go the extra mile to make sure your questions are answered, and you’re 100% satisfied with our services. Every home buyer deserves a loan officer who listens. Our mortgage team takes time to understand your goals, whether you’re buying your first home or refinancing your 5th. We’re not just mortgage lenders — we’re your partners in homeownership. Contact our Houston home loans specialists today.
Every loan is handled by licensed professionals with deep knowledge of Texas, Florida, Georgia, and North Carolina mortgage markets.
From first home purchases in Austin to refinancing in Dallas, families across Texas trust Champions Mortgage with their home financing needs. Read what our customers say about working with our mortgage team — and why they recommend us to friends and family looking for home loans in Texas.
Ready to find the mortgage that fits your life? Whether you need an FHA loan, VA loan, conventional mortgage, or home equity loans, Champions Mortgage has you covered, shopping for a new home in Texas, or exploring mortgage refinance options, our team is here to help. We work with buyers across Houston, Dallas, Austin, San Antonio, Fort Worth, and communities throughout Texas.
Fill out the form below, call us at (281) 727-2500, or visit our office to speak with a mortgage lender in Texas who understands your needs. We’ll help you find the mortgage — and the home — that’s right for your family.
