Looking for a Mortgage Lender in The Woodlands, TX?
Most people searching for a mortgage lender in The Woodlands end up comparing one bank against another, one rate sheet at a time. There's a faster way. I'm Andrew Hooey, owner of Game On Mortgage, and as an independent mortgage broker I shop your loan across multiple wholesale lenders at once, then bring back the option that actually fits you. One application, one point of contact, many lenders competing for your loan.
Why Woodlands Buyers Use a Broker Instead of a Single Lender
A bank or retail lender can only offer its own products and its own pricing. If your file doesn't fit their box, the answer is usually no, or a higher rate. Because I'm not tied to one lender, I can match your loan to the lender whose guidelines and pricing fit best, whether you're buying your first home in Alden Bridge, moving up to Sterling Ridge or Creekside Park, or financing a larger home in Carlton Woods or East Shore. Wholesale pricing through a broker is often more competitive than walking into a retail branch, and you still get a local person who answers the phone.
Loan Programs Available in The Woodlands
Conventional loans with as little as 3% down for qualified first-time buyers. The 2026 conforming loan limit in Montgomery County is $832,750, which covers the majority of Woodlands homes.
Jumbo loans for homes above the conforming limit, common in Carlton Woods, Cochran's Crossing, and the lakefront areas of Panther Creek and East Shore.
FHA loans with 3.5% down and flexible credit guidelines. The 2026 FHA limit in Montgomery County is $541,287.
VA loans with 0% down and no monthly mortgage insurance for eligible veterans and service members.
USDA loans with 0% down for homes in USDA-eligible areas of Montgomery County outside The Woodlands. I can check any address for eligibility.
Bank statement and non-QM loans for self-employed buyers, business owners, and 1099 earners whose tax returns don't show their real income.
Refinance and cash-out options to lower your rate, drop mortgage insurance, or tap your equity.
Texas also has down payment and closing cost assistance programs that many buyers qualify for without realizing it. Ask me about them before you assume you need 20% down.
How It Works
Start with a quick conversation, usually same day, to review your goals, income, and credit. I'll get you pre-approved, lay out 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 the closing table. Our average approval period is about 10 days.
A Local Mortgage Lender Option You Can Actually Reach
Game On Mortgage is headquartered just south of The Woodlands in Spring, and we work with buyers throughout Montgomery County every week. We've funded over $150 million in loans with a 97% customer satisfaction rate. Also serving Spring, TX and Houston, TX. Fill out the form to get 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.