Looking for a Mortgage Lender in Houston, TX?
Houston has hundreds of mortgage lenders, and most of them can only offer you one thing: their own loans at their own rates. I'm Andrew Hooey, owner of Game On Mortgage, and I work differently. As an independent mortgage broker, I shop your loan across multiple wholesale lenders at once and bring back the option that fits your situation best. You fill out one application and get one local point of contact, with lenders competing for your loan.
Why Houston Buyers Choose a Broker Over a Single Lender
A bank or retail mortgage lender has one set of guidelines. If your income, credit, or property doesn't fit, you're stuck. Because I'm not tied to one lender, I can place your loan with whichever lender fits best, whether you're buying a starter home in Oak Forest or Spring Branch, a bungalow in the Heights or Garden Oaks, a home in Kingwood or Clear Lake, or a higher-priced property in Memorial or River Oaks. Wholesale pricing through a broker is often more competitive than a retail branch, and you work with a real person who picks up the phone.
Houston Mortgage Loan Programs
Conventional loans with as little as 3% down for qualified first-time buyers. The 2026 conforming loan limit in Harris County is $832,750.
FHA loans with 3.5% down and flexible credit guidelines. The 2026 FHA limit in Harris County is $541,287.
VA loans with 0% down and no monthly mortgage insurance for eligible veterans and service members.
Jumbo loans for homes above the conforming limit in neighborhoods like Memorial, River Oaks, West University, and Bellaire.
Investor and DSCR loans for rental properties, qualifying on the property's rent instead of your personal income.
Bank statement and non-QM loans for self-employed buyers, business owners, and 1099 earners.
Refinance and cash-out options to lower your rate, remove mortgage insurance, or put your equity to work.
Houston buyers may also qualify for down payment and closing cost assistance through state, county, and City of Houston programs. Ask me which ones fit you before you assume you need 20% down.
How It Works
We start with a quick conversation, usually same day, about your goals, income, and credit. I'll get you pre-approved, show you your loan options side by side with clear numbers and no pressure, and keep you and your real estate agent updated all the way to closing. Our average approval period is about 10 days.
A Local Houston-Area Mortgage Lender Option
Game On Mortgage is headquartered in Spring, in north Harris County, and we help buyers and homeowners across the greater Houston area every week. We've funded over $150 million in loans with a 97% customer satisfaction rate. Also serving Spring, TX and The Woodlands, TX. Fill out the form for a quick quote, or call me directly at (713) 446-2420.
Andrew Hooey, NMLS #1808045. Game On Mortgage, LLC, NMLS #2468752. Not a commitment to lend. All loans subject to credit approval and program guidelines.