Houston Mortgage Broker for Home Purchases and Refinancing

Conventional, FHA, VA, jumbo, and non-QM home loans for buyers and homeowners across Harris County and the greater Houston area. Local underwriting, direct access to your loan officer, and no call-center runaround.

Call Now: 713-458-3232

Speak With A Houston Mortgage Expert

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Local Underwriting for Houston Buyers and Homeowners

Flagstone Mortgage is a Houston mortgage broker that has closed more than 4,000 loans and $1.2 billion in volume since 2001 from our office on Woodway in the Galleria area. We are a brokerage rather than a bank branch, which means we shop your file across multiple wholesale lenders instead of fitting you into one institution's product sheet. Every file is underwritten with common sense by people who have worked the Houston market for decades. You get the direct line, cell phone, and email of the loan officer handling your loan, and you keep that same person from application through closing.

Houston Home Loan Programs

Most Houston buyers fit one of three or four programs, but the right answer depends on your credit, your down payment, how you are paid, and how long you plan to keep the loan. Here is what we place most often.

Traditional Mortgages

Conventional financing covers the majority of Houston purchases, with down payments starting at 3% for qualified first-time buyers and mortgage insurance that falls off once you reach 20% equity. Because every Texas county sits at the 2026 conforming baseline of $832,750, conventional works cleanly on most Houston-area price points.

See Conventional Loan Details

FHA Loans

FHA loans allow credit scores well below conventional thresholds and down payments as low as 3.5%. The tradeoff is mortgage insurance that generally stays for the life of the loan on low-down-payment files. We walk borrowers through that long-term cost rather than just the qualifying hurdle, because the cheapest loan to get into is not always the cheapest loan to keep.

See FHA Loan Details

VA Loans

Houston has one of the largest veteran populations in the country. VA financing offers no down payment, no monthly mortgage insurance, and more flexible credit standards for eligible service members, veterans, and surviving spouses. If you have used your entitlement before, we will calculate exactly what remains available before you write an offer.

See VA Loan Details

Houston Mortgage Calculator

Use our Mortgage Calculator to quickly estimate your monthly and total payments based on different loan amounts, terms, and interest rates. It's simple to use and gives you a clear idea of what your payments might be.

4.9 Stars (58 Reviews)

What Houston Homeowners Are Saying

I’m very happy to have had Darren’s help with closing on my home through Flagstone Financial. He made the entire process smooth, stress-free, and easy to understand from start to finish. Darren was always available to answer questions and kept everything moving efficiently, which made a huge...

Carter Dorsett

Darren made the home buying experience extremely easy. He was able to secure me a great rate and was always available for any questions I had at throughout the process. I would highly recommend and will use him again for any future refinance or home purchase.

Chandler

I truly enjoyed working with Darren and his team on the financing of my new home. Darren went above and beyond with frequent updates and communications towards a successful closing. I will most definitely use them for refinancing and subsequent purchases. Thanks Darren!!!

Annelize Victor

Darren is an absolute beast and helped us closed quickly. Better get used to his attentiveness and follow ups. He is truly your partner from start to closing.

Truong-An Thai

We had a great experience working with Darren and Brian on our recent mortgage. From start to finish, the process was smooth and easy and we were in the loop throughout the process. The communication was top notch and we will certainly use Flagstone without hesitation again. Highly recommended.

John L.

We recently closed on our home and had an amazing experience working with this mortgage team. From start to finish, they were responsive, transparent, and incredibly easy to work with. Big shoutout to Darren, he was always available to answer questions (even the small ones), explained every step clearly, and made sure we felt confident throughout the process. What really stood out was how organized and proactive the team was, no surprises, no last-minute scrambles, and everything stayed on track. The rate we got was competitive, one of the lowest! and what really made the difference was the personal attention, fast turnaround, and the sense that they genuinely cared about getting us to the finish line smoothly.

Rukshana Hirani

Flagstone is fantastic. Darren and Jacqui are prompt, professional, and responsive. Darren has handled two houses for our family and both experiences have been great. Darren saved us money, made the process easy, answered all our questions, and really got the job done. I would recommend...

Andreas Jones

Darren Smith and the entire Flagstone team are AMAZING!! We have used them on numerous occasions and they are always so informative and just a pleasure to work with. I will definitely use them again if the need arises!

Preston Pickens

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A family engages with a realtor in a bright, welcoming home setting.

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How To Get A Mortgage in 5 Steps

Here's How We Close The Deal in 30 Days Or Less

Flagstone Mortgage provides a simple and easy-to-follow five-step process to help you obtain a mortgage and buy your dream home. This includes applying for preapproval, obtaining an approval letter, searching for a property, verifying the details, and closing the deal. Our personalized mortgage solutions and expert guidance make each step straightforward, so you can secure financing, find the right home, and complete the closing process with ease.

Step 1: Apply for Mortgage Preapproval

The first step towards getting a mortgage is to apply for preapproval.

Preapproval is a thorough process where the lender evaluates your income, assets, and creditworthiness to determine how much they are willing to lend you.

Unlike prequalification, preapproval requires you to provide proof of your income and debt obligations, ensuring that you are eligible for the mortgage. Flagstone Mortgage's preapproval process is quick and easy, and it will help you understand the exact amount of money you can borrow.

Knowing this amount will make it easier for you to narrow down your property search and make you more attractive to sellers and real estate agents.

Step 2: This Makes You A Competitive Buyer

Once you have found the ideal mortgage solution that aligns with your needs, you can apply online to see if you're approved. If approved, we will issue a Prequalified Approval Letter that you can use to start searching for a home.

To increase your chances of approval, you may consider reaching out to our Texas Home Loan Experts to discuss in greater detail your specific situation.

Step 3: Find Your Dream Home

Now it's time for the exciting part - finding your dream home. We recommend enlisting the services of a local real estate agent to help you with your search, especially if you're a first-time homebuyer. A knowledgeable realtor can help you narrow down your search and find properties that fit your budget and preferences.

Once you've found the right home, your agent will assist you in submitting an offer and negotiating with the seller. If your offer is accepted, you'll be ready to move on to the final stages of the home-buying process.

Step 4: Ensure The Numbers Match

During this stage, an underwriter takes a closer look at your financial and asset information to ensure that you meet the lender's requirements and can afford the mortgage you're applying for. The underwriter will also review the property details to ensure that the property meets the lender's requirements. If everything checks out, the underwriter will issue a loan approval, and you can move on to the final step, "Closing the Deal".

Additionally, your lender will verify the details of the property you're purchasing, which typically includes ordering an appraisal, verifying the title, and scheduling any necessary state-required inspections. Once the underwriting process is complete, you'll receive a Closing Disclosure document.

The Closing Disclosure document provides comprehensive information about your loan, including your monthly payments, interest rate, down payment, and closing costs.

Step 5: The Final Step

Once your loan is approved, Flagstone Mortgage will schedule a closing meeting where you'll have the chance to ask any last-minute questions about your loan. It's crucial to bring a valid photo ID and a cashier check or initiate a wire for your closing costs to ensure a smooth closing process.

During the closing, our team of experts will guide you through the process of signing the loan documents and completing the final paperwork. Once you've signed and the loan has been funded, you'll officially become a homeowner. At Flagstone Mortgage, we strive to make the closing process as stress-free and easy as possible, so you can focus on enjoying your new home.

$1.2 Billion

In Loans

4.9 Stars

Customer Rating

4,000

Loans Processed

Houston Home Loans & Mortgage Refinancing

Flagstone Mortgage offers many loan options, competitive rates and quick closing times to ensure you find the perfect financing solution for your Houston home.

With years of experience in the industry, we understand the unique needs and challenges homeowners in Texas face. Whether you are a first-time homebuyer or looking to refinance your existing mortgage, our team of knowledgeable professionals is dedicated to providing personalized solutions that fit your financial goals. Flagstone Mortgage strives to make the mortgage process seamless and stress-free, helping you achieve your dream of homeownership or saving money through refinancing.

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Your Trusted Houston Mortgage Lender

At Flagstone Mortgage, we take a different approach than other Houston mortgage companies. Instead of solely focusing on rates and pushing you into a decision, we prioritize education and personalized solutions. We believe in using common sense underwriting to ensure your loan is tailored to your specific needs and financial situation.

Whether you're looking for a loan or considering refinancing, we're here to assist you.

Get the Right Loan

Flagstone Vs The Big Box Brokers

We offer unparalleled service and expertise that makes buying your Texas dream home a breeze.

Flagstone Mortgage

Lower Competitive Rates
Faster Execution Time
Highly Knowledgable LOs
Combined 85 Years Experience

Big Box Brokers

Higher Rates
Slower Execution Time
Inexperienced LOs
Who Knows?