About Us

Loan Info

Reverse Mortgages

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In the mortgage industry, there are two main kinds of lenders: Mortgage Bankers and Mortgage Brokers. You may ask yourself does that really matter ??? The answer is YES it does matter ! 

Houston Capital Mortgage offers you the best of both worlds; we operate with the stability and control of a mortgage banker, offering the selection of pricing and products of a mortgage broker.

Please let us explain the distinction further....

Mortgage Bankers operate with financial stability and internal controls, as bankers handle your loan process from approval to funding. They manage the appraisal process in house by utilizing an approved panel of appraisers. They provide funding at the time of your closing with their own funds, from their warehouse lines of credit. Yet, they tend to offer only their own internal product line; causing them to be less competitive.

Mortgage Brokers offer a variety of different lender's pricing and products, allowing them to be more competitive in rate and products. Yet, they have no control of the appraisal, underwriting, closing or funding of your loan, as those functions are all outsourced to their lending source. In that respect, they serve as a middleman or broker, without internal control of the  most important aspects of the mortgage lending process. 

Houston Capital Mortgage is a unique local correspondent mortgage company in the Texas marketplace; a mortgage banker by structure, and a mortgage broker in philosophy ! We take the best of both worlds, to provide you with the customer service, product line and competitive pricing you deserve ! We are a locally owned well established Texas based mortgage banker, using state of the art automated technologies throughout our lending process. Your loan is handled by Houston Capital from application to the closing table. We place our loan servicing with a select group of Fortune 500 national companies.  We utliize a panel of local established reputable property appraisers, no AMC'S (national contract based appraisal management companies.

By design, we navigate you through the loan process and help you avoid the unexpected pitfalls along the way.