Houston Home Mortgage Loans

Which loan type suits you best?

Our team is here to help you every step of the way

Home Loans in Houston

Flagstone Mortgage offers a variety of home loans in Texas to help individuals achieve their dream of homeownership. With a range of options available, we help Texans find the right home loan to fit their unique needs and financial goals.

FHA Loans in Houston

One of the most popular products it offers is the FHA loan, which is a government-backed loan that is designed to help first-time homebuyers in Texas and those with less-than-perfect credit. FHA loans are available to borrowers with a credit score of 620 or higher and require a down payment of just 3.5%.

This makes them an attractive option for those who may not have a large amount of savings for a down payment. Flagstone Mortgage's experienced team of professionals is dedicated to helping its clients navigate the complex process of obtaining an FHA loan in Texas, ensuring they get the best possible terms and rates.

FHA Loans

USDA Loans in Houston

At Flagstone Mortgage, we specialize in helping our clients secure the best possible loan options to meet their unique needs. USDA loans are an excellent option for those who want to buy a home in rural areas of Texas, as they offer lower interest rates and require no down payment.

With our experienced team of mortgage professionals, we can guide you through the application process and help you obtain the financing you need to achieve your dream of homeownership. Contact us today to learn more about USDA loans in Texas and how we can help you secure your needed funding.

USDA Loans

Jumbo Loans in Houston

Jumbo loans are specifically designed for those who need to borrow larger amounts of money than a traditional mortgage can provide. Whether you're looking to purchase a luxury property or refinance an existing one, our team of experienced professionals will work with you to find the best financing solution to fit your needs.

With competitive rates and flexible terms, Flagstone Mortgage is the perfect choice for anyone who wants to make their dream home a reality. Contact us today to learn more about our jumbo loan options and start the process of securing your financial future.

Jumbo Loans

Houston VA Loans

If you're a veteran looking to secure a home loan in Texas, Flagstone Mortgage has covered you with our Texas VA Loans. Our team is dedicated to helping you navigate the lending process and find the best loan options.

Perhaps the most significant advantage is that as a veteran, you can secure financing for the full value of your home up to $726,200, with no down payment required. Subsidized rates are also available.

We understand the unique needs of veterans and are committed to providing personalized service to ensure that you get the home loan that's right for you. Let us help you achieve your dream of homeownership in Texas. Contact us today to learn more about our Texas VA Loans.

VA Loans

Home Mortgage Programs

Conforming Home Mortgage

Our Conforming Home Mortgage option is designed to fit the needs of those looking for a mortgage that conforms to the guidelines set by Fannie Mae and Freddie Mac.

Jumbo Home Mortage

A jumbo loan is a mortgage for high-value properties that exceed the conforming loan limits set by government-sponsored enterprises, with stricter qualification requirements and higher interest rates due to the larger loan amount.

Non-QM Mortgage

This type of loan may be suitable for those who can demonstrate their creditworthiness through bank statements or Debt Service Coverage Ratio (DSCR).

The Flagstone Advantage

Explore the benefits

At Flagstone, we understand that each mortgage transaction is unique, and we leverage our extensive experience to tailor your loan to your specific situation. With thousands of successfully closed mortgages under our belt, we have encountered a wide range of needs and circumstances and are well-equipped to handle any challenge that may arise.


Our team brings over 85 years of combined experience to the table, with a diverse range of backgrounds that provide a well-rounded perspective on mortgage financing. Darren, a former Certified Public Accountant, has a deep understanding of complex tax returns and can help ensure you get the maximum income possible to qualify for a loan. Jacqui, a Licensed Real Estate Broker with over 20 years of experience, can provide a second set of eyes to review your real estate purchase-money contract.


When you work with us, you benefit from our extensive experience, comprehensive knowledge, and ongoing education. We understand that obtaining a mortgage is one of the most significant financial transactions you will ever make, and we take that responsibility very seriously. While you may only do a mortgage a handful of times in your life, we do them every day. We are passionate about our profession, and we are committed to helping you achieve your goals and secure your future.

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