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Do you want to buy a house?

Before you look for a home, it is best to get pre-qualified.
You can complete a form and be pre-approved TODAY!

not sure where to start?

Get Pre-Approved
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We are based out of Conroe

and Houston

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Let us help you

find the perfect solution that fits your needs

Call (832) 813.0100

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Visit our office

in Houston

Apply Today!

As a premier lender in Montgomery and Harris County for the past 10 years, we pride ourselves on complete customer satisfaction. If you are looking for a home and/or home mortgage in Houston, Conroe, Lake Conroe, The Woodlands or anywhere in Texas, there are a wide variety of options to choose from. Let us help you find the perfect solution that fit your needs.

Apply Now

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Which loan is for me?

FHA (Federal Housing Administration)

Allows buyers who may not qualify for a home loan to obtain one with a low down payment.

Conventional Loan

The most common type of mortgage. This type is not backed up by any government agency such as the Federal Housing Administration (FHA) or the Veterans Administration (VA).

VA (Veterans Administration)

Guaranteed loans for eligible veterans, active duty personnel and surviving spouses. This loan has very competitive rates with low to no down payment.

Pre-qualification process

Prequalification is an estimate of what you might be able to borrow

Identification

Copy of driver’s license and social security card.

Paystubs

Copy of 30 days most recent paystubs.

W2’s

Copy of W2’s for 2014, 2013 and 2012.

Tax Returns

Copy of two years most recent tax returns, please be sure to include all pages.

Bank Statements

Copy of 2 months most recent bank statements, please be sure to include all pages.

Complete App

Click on Apply Now in the menu above and complete your application.

Conroe

3210 N Frazier St. Suite A
Conroe, TX 77303
NMLS # 885000
k-andg-conroe


Houston

7026 Old Katy Road Ste 267
Houston TX 77024
NMLS # 885144
k-andg-houston

Houstonian Mortgage Group Inc. NMLS 214363 dba K&G Capital Mortgage NMLS 885000

Conventional financing

  • Minimum of 3% down payment
  • No Mortgage insurance if 20 percent down payment or combined with a second loan
  • Fixed and Adjustable rate options
  • Loan amounts >= $417,000
  • Primary, secondary, or investment homes allowed
  • Gift funds allowed for down payment

VA Financing

  • Must be a veteran or spouse with surviving benefits
  • 100% financing with no MI
  • Credit allowed down to 620 score
  • Low fixed rates
  • Seller can pay up to 4% toward closing cost

Seth 5 Star Program

  • FHA financing all through Texas with down payment assistance for qualified borrowers
  • 640 credit score required
  • Utilize the 5% assistance to cover down payment and part of closing cost
  • Low fixed rates

Texas Cash out/ Home Equity

  • Available up to 80% of the home value
  • Low fixed rates available
  • No prepayment penalties
  • Get money in hand to repair the home, pay off debt, etc.
  • We can also refinance an existing home equity loan if the rate reduction is substantial
  • Available in 15,20, and 30 year terms

USDA Rural Housing Loans

  • 100% financing with low Mortgage insurance rates
  • can finance closing cost up to appraised value
  • 640 plus credit required
  • Eligible only in USDA eligible areas
  • Income restrictions apply depending on family size

Jumbo Loans

  • For loan amounts over $417,000
  • Low fixed and adjustable rate options available

FHA Financing

  • 3.5% down payment
  • 6% of sales price allowed for seller to pay toward closing cost
  • 580 plus credit score needed
  • Very low rates and expanded underwriting guidelines
  • Available on 15, 20 and 30 yr. mortgages
  • Non-Occupying Co-borrowers allowed

Refinances

  • We can do refinances on various loan programs.
  • Lower your interest rate
  • Lower or extend your term
  • Pay property taxes

Bond 79

  • FHA financing throughout the state of Texas with down payment assistance for qualified borrowers
  • 640 credit score required
  • Utilize the 5% assistance to cover down payment and part of closing cost
  • Low fixed rates