Mortgage Broker in Houston, Texas
We're based in Houston and help buyers and homeowners across the metro compare mortgage options. We work with multiple lenders and offer service in English and Korean. Start with your budget, an offer deadline or a Loan Estimate you'd like us to review.
Prefer to talk? Call us: (713) 884-6329
Houston market
Buying in Harris, Fort Bend, Montgomery or Brazoria County? Start with costs for the specific property. Check its taxing districts, insurance quote and any HOA dues before relying on a monthly payment estimate.
Programs we originate
We offer Conventional, FHA, VA and Jumbo loans, plus options for eligible self-employed borrowers and investors. The right program depends on your income documentation, down payment, credit and how you plan to use the property.
BEFORE YOU MAKE AN OFFER
What will this Houston home cost each month?
The price and interest rate are only part of the answer. Two homes at the same price can have different monthly costs. Check these details before deciding what fits your budget.
Put the numbers together.
Our calculator uses ZIP-based tax and insurance assumptions for a starting estimate. Ask us to review the costs for a specific property. Estimates are for planning, not a loan approval or rate quote.
Estimate my monthly paymentNo contact details needed to use the calculator.
Check taxes for the property
There is no single Houston property tax rate. School, county, city and special districts can all affect the bill. Look up the property's taxing units and confirm which exemptions you qualify for with the appraisal district.
Texas Comptroller: how property taxes workGet an insurance quote for the address
Home insurance does not cover flooding. Ask about a separate flood policy and the wind or hail deductible. Some coastal and Galveston Bay properties need separate windstorm coverage, too. Include the premiums in your budget.
Texas Department of Insurance: shopping for coverageSeparate the payment from cash to close
Your monthly budget needs room for principal, interest, taxes, insurance, any mortgage insurance and HOA dues. Cash to close is a separate amount. Compare Loan Estimates for the same kind of loan, including points, lender credits and fees.
CFPB: understand your Loan Estimate
Already have a Loan Estimate?
We can review the rate and lender fees alongside the payment and cash to close. Tell us what you want to compare.
Why Closewiser
You should understand the numbers before you decide.
English and Korean support
We explain your options, review the details, and keep you updated as your loan moves forward. Ask in English or Korean.
Compare rates and costs
Already have a Loan Estimate? We can compare the rate, lender fees, and cash to close with options available through us.
Understand your next step
We help you understand the numbers and what to prepare next. Start with a conversation about your plans and questions.
FAQ
Common questions.
Do you serve all of the Houston metro?
Yes. We are based in Houston and serve borrowers across Texas, including Katy, Sugar Land, Cypress, Spring Branch, Spring, and The Woodlands. You can work with us by phone, video, and secure document sharing.
Are you licensed in Texas?
Closewiser is a brand of NEXA Mortgage LLC, a Texas-licensed mortgage brokerage, company NMLS #1660690. Our mortgage services are offered through that brokerage.
Do you offer Korean-language service?
Yes. We offer consultations, document explanations, and updates in Korean through closing. Lender disclosures and closing documents may be in English. We help you understand what is being requested and what the documents mean.
What loan programs do you offer in Houston?
FHA, VA, Conventional, Jumbo, DSCR (investor), ITIN, Bank Statement (self-employed), Asset Depletion, and Texas DPA programs. We compare options available through our wholesale lenders. Eligibility and pricing depend on your situation and the program.
How fast can you close in Houston?
Your contract deadline, documents, appraisal, title work, and underwriting all affect timing. After reviewing your file, we can discuss a realistic timeline. Clear-to-close is the lender's approval to proceed to closing; it is a different milestone from signing and funding.
What should I prepare for our first conversation?
Start with your goal, expected purchase price, down payment, employment, and monthly debts. For document review, common items include pay stubs, W-2s, and bank statements. Self-employed borrowers may also need tax returns and business financials. We give you a checklist for your situation and instructions for sharing documents securely. Please do not send sensitive financial documents through the public contact form.
Does sending an inquiry pull my credit or pre-approve me?
Sending our website inquiry does not pull your credit and is not a pre-approval. Pre-approval requires a review of income, assets, and credit. We explain the documents and credit authorization needed before moving forward.
Can I get a mortgage if I'm self-employed?
Self-employed borrowers may qualify for a conventional loan using documented income. Bank Statement loans may offer another option for eligible borrowers. DSCR loans use a property's rental income and are for investment properties, not a home you will live in. Income, credit, assets, and down payment requirements depend on the program.Explore Bank Statement loans
Can you compare a Loan Estimate I already received?
Yes. We compare the loan amount, loan type, term, and rate-lock status alongside the rate, points, lender fees, credits, and cash to close. Taxes, insurance, escrow deposits, and prepaid items need a separate look because estimates can differ. Lower cash to close alone does not mean a less expensive loan.Send your Loan Estimate for review
Ready to start in Houston?
Explore your numbers and request a personal review. Sending an inquiry does not pull your credit or pre-approve you.