Consumer Home Loans
Below are the consumer home loans that we offer. Please contact us to discuss your needs in detail. 
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(713) 524 - 4242.

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Refinance Options

All of the products and terms below are available as refinancing options. We offer refinancing options to lower your interest rate and shorten the length of your loan. You also have the option to take cash out so you can consolidate debt at a lower rate, pay for unexpected expenses, take a vacation, or invest in other assets, like real estate. Call now for a free rate quote or request a free rate quote online.

Bank Statements Only Loan

Are you self-employed? Do you have a lot of tax deductions that make it difficult to qualify for a loan? Our Bank Statement program is perfect for you. We offer loans up to $30,000. We only require 12 or 24 months of personal or business bank statements to qualify. No tax returns are required.

Property types we will finance - Single Family Homes, 2-4 Unit properties, Townhomes and Condos, and investment properties.

USDA Loans

A USDA loan is a special type of a zero down payment mortgage that eligible borrowers can get through our USDA Loan Program, which is backed by the United States Department of Agriculture (USDA).

We provide low and moderate-income homebuyers in rural and suburban areas the opportunity to own adequate, modest, decent, safe, and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may purchase, build, rehabilitate, improve, or relocate a dwelling in an eligible rural area with 100% financing.

Call now for additional information and to see if you, your area and your property is eligible.

Jumbo Loans

We offer VA Jumbo loans for veterans and Non-Conforming Jumbo loans for all other borrower types. Our jumbo loans are great for properties where the loan amount exceeds $510,000 for 1-unit properties, $653,000 for 2-unit properties, and $789,950 for 3-unit properties and $981,700 for 4-unit properties. You have the option to finance your loan at a fixed rate for 15 or 30 years. Call now for additional information or pre-qualify online.

Property types we will finance - Single Family Homes, 1-4 Unit properties, Townhomes, and Condos.

VA Loans

We support our veterans and by supporting us you help us support Homes for our Troops.

We will provide 100% financing on our VA loan product. If you are a veteran buyer that is in the market for a home then this product is a great option for you. This product is only offered to borrowers that will live in the home.

Type of borrowers we will finance – Veteran, non-veteran spouse, two veterans that are married to each other where each veteran will be using the entitlement, an unmarried surviving spouse of an eligible veteran (if determined eligible by the VA-issued COE), the spouse of an active duty service person who has been listed as MIA or POW for more than 90 days (if determined eligible by the VA-issued COE) or two or more unmarried veterans where each veteran will be using the entitlement.

Property types we will finance - Single Family Homes, 1-4 Unit properties, Manufactured Homes, Townhomes, and Condos.

Adjustable-Rate Loan

Our ARM product only requires a down payment of 3.5% or 5% depending on the product you choose. It is a great option for low and moderate-income borrowers who are trying to make the transition into homeownership. The qualifying interest rate is much lower than the fixed-rate loan option. This product is only offered to borrowers that will live in the home.

FHA Fixed Rate Loans

Our FHA loan product only requires a 3.5% down payment. If you are a buyer that is in the market for a home and your credit score is at least 580 then this product is a great option for you. You have the option to finance your loan at a fixed rate for 8, 10, 15, 20, 25, or 30 years. This product is only offered to borrowers that will live in the home.

Type of borrowers we will finance – US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens, Non-Occupant Co-borrowers and Inter vivos revocable trusts

Property types we will finance - Single Family Homes, 1-4 Unit properties, Townhomes, and Condos.

Conventional Fix Rate Loan

We offer convention loans where the required down payment is only 5%. If you are a buyer that is in the market for a home this is a great option for you. You have the option to finance your loan at a fixed rate for 8, 10, 15, 20, 25 or 30 years.  We also offer this product to investors and second-home buyers.

 

Type of borrowers we will finance – US Citizens, Permanent Resident Aliens, Non-Permanent Resident Aliens, Non-Occupant Co-borrowers and Inter vivos revocable trusts

 

Property types we will finance - Single Family Homes, 1-4 Unit properties, Townhomes, and Condos.

ITIN Home Loans

Titanium Mortgage makes buying a house with an ITIN number easy. Our ITIN mortgage loan program is designed for borrowers who are looking to purchase or refinance, a home in Texas who file their taxes with an Individual Tax Identification Number (ITIN). We off ITIN home loans for both owner occupants and investors. Please read our blog for more information on ITIN home loans.

30K - First Time Home Buyer Program
 

The 30K program provides up to $30,000 in down payment and closing cost assistance to First Time Home Buyers. This program allows you to purchase a home with less than $4,000 in out-of-pocket costs. 

Note: a First Time Home Buyer is defined as not owning a home in the previous 3 years.