In the mortgage industry, there are two main kinds of lenders: mortgage bankers and mortgage brokers. You might ask yourself why does that matter ??? Houston Capital Mortgage offers you the best of both worlds; we operate as with the stability of a mortgage banker, while offering the pricing and products of a mortgage broker.

Please let us explain the importance further:

Mortgage bankers operate with financial stability and internal controls, as they handle your loan process from approval to funding. They provide funding at the time of your closing with their own funds, from their warehouse lines of credit. Yet, they typically offer only their own internal product line; causing them to be limited and not as rate competitive.

Mortgage brokers offer a variety of different lender's pricing and products, allowing them to be more competitive with respect to rates and products. Yet, they do not control the appraisal, underwriting, closing or funding of your loan, as those functions are outsourced to their lender source. In that respect, they serve as a broker, without internal control of the many important aspects of the lending process. 

Houston Capital is a unique boutique mortgage company in the marketplace; a mortgage banker in structure, yet a mortgage broker in philosophy ! We take the best of both worlds, to provide you with the customer service, products and pricing you deserve ! We are a local owned and operated established mortgage banking firm, using state of the art automated technology throughout our lending processes. Your loan is handled by Houston Capital from start to finish. We utliize a panel of local established appraisal firms, no national contract type appraisal firms. No last minute unexpected surprises, no out of town paper delays, no waiting for someone else's wire to arrive to fund at closing !