Couple and dog in home with moving boxes.


Mortgage Lender in Houston, Texas

Experienced mortgage professionals to guide you through every step

Are you on the search for a reputable mortgage lender in Houston? Ready to hold the competitive advantage in today’s housing market? It’s time to start with Houston’s #1 Credit Union, Texas Bay. Our experienced team understands how important of an investment buying a home can be, and whether you are a first-time home buyer or looking to refinance, they are here to be your partner throughout the entire process.

Rate Drop!

For a limited time, primary purchases are eligible to take advantage of our rate discount promotion!1 Need more time to close? With a preapproval you can lock in your rate discount for 60 days.

Call one of our experienced Loan Officers today at 713.852.6888 to learn more.

First Time Buyer Program

With our First Time Home Buyers Program, you can finance as much as 100% of the value of the home2. That's right! You'll put no money down on your new home! Let us walk you through every step of your first purchase and make the mortgage process as stress-free as possible.

Mortgage Rate Quick Quote

For a quick rate quote, text 832.694.1284 with the below information3. During business hours, a loan officer will respond within the hour. Outside of business hours, a loan officer will respond the morning of the next business day.

Choose one option from each of the following categories:

  • Occupancy: Primary, Secondary, Investment
  • Purpose: Purchase, Refinance, Home Equity
  • Property Type: Single Family Home, Condo, Townhome, Land
  • Length of Loan: 10 years, 15 years, 20 years, 30 years
  • Approximate Down Payment %
  • Approximate Credit Score
Your text to us should look something like this: "Primary, Purchase, Single Family Home, 30 years, 10%, 700"

Become a Texas Bay Knockout Buyer

Let our team arm you with the tools to compete in this competitive housing market!

As a Texas Bay Knockout Buyer you will enter the housing market with a pre-approval that has a 60-day rate lock!

  • Keeps the red tape and complexity of a mortgage to a minimum
  • Have peace of mind knowing your rate is locked in

Get In Your Home Faster with Quick Close

With a Quick Close Mortgage from Texas Bay, you can close on your home in only 15 business days4! We'll walk you through the process.

How to Qualify for a Quick Close Mortgage:

  • Primary residence only
  • Single family properties only
  • 740+ credit score
  • Debt-to-Income Ratio not to exceed 35%
  • Other criteria may apply.

We've Got the Mortgage to Fit Your Needs

Conventional Loans - Fixed Rate Mortgage 
  • Interest rate will not change for the life of your loan
  • Protecting you from the possibility of rising interest rates
  • Great for first time and seasoned buyers
  • 60 Day Rate Lock
  • Terms (10, 15, 20, or 30-Years)
  • Best for: Members that plan to occupy the property for extended period of time
FHA - Fixed Rate Mortgage
  • Credit score requirements are lower compared to other loan options
  • Lower down payment requirement (3.5%)
  • Great options for buyers with credit challenges
  • Insured by Government
  • Terms (10, 15, 20, or 30-Years)
  • Best for: First-time home buyers
VA Loan - Fixed Rate Mortgage
  • Great option with no down payment required
  • Government-guaranteed mortgages
  • Highly competitive interest rates
  • Best for: Veteran, currently enlisted, National Guard, Reservist, Surviving Spouse's
Land Purchase - Fixed Rate 
  • Residential Lot Loan
  • Unimproved Land Loan
  • Terms (10 and 15-Years)
Mortgage Refinance - Fixed Rate Mortgage
  • Great for cutting years off your mortgage term
  • Lowering payments for affordability
  • Terms (10, 15, 20, or 30-Years)
Cash-Out Refinance - Fixed Rate Mortgage
  • Take equity out of your home
  • Eligible Properties: Primary, Secondary, and Investment 
  • You can use the equity to consolidate debt, do home improvement, cover repair bills, or even pay off student debt
  • Terms (10, 15, 20, or 30-Years)

Meet our Mortgage Loan Officers

Karen Trevino

Ian Walulek

Daniela "Dani" Garza

With a Texas Bay Mortgage You Can Count On...

  • Competitive Rates
  • Fast Closings
  • Flexible Terms
  • Easy Online Application
  • Experienced Loan Officers
  • In-house Servicing
  • Partnership with Realty Service
  • Insurance Options
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NMLS #280545
1 Restrictions apply. Further rate buy-downs will be done on a case-by-case basis. Maximum buy-down will be .25% past the initial discount.
2 Restrictions apply. Other closing cost may apply
3 By entering your information and texting Texas Bay Credit Union (TBCU), you agree that TBCU may call, text or email you regarding this inquiry. You do not need to consent as a condition of buying any property, goods or services. Messaging and data rates may apply. Interest rates change on a daily basis. A Quick Rate Quote does not constitute a secured interest rate and does not indicate eligibility for the mortgage loan. Speak with a loan officer about how to lock in your quoted interest rate and how to be fully qualified for a mortgage.
4 The 15 business-day closing timeline only applies to purchase transactions and is not applicable to Land Loans, Home Equity Loans, Reverse Mortgages, Brokered loan transactions, FHA, VA, USDA, Mortgage Bond Programs, Down Payment Assistance loans, MCC, Non-delegated loan programs, Bank-owned properties, Short Sale transactions, condominiums/townhomes, Non-Conforming and Non-QM loans, Jumbo loans, and Investment and Secondary properties. Additionally, the 15 business-day closing timeline may be affected by events beyond the control of TBCU, such as appraised value, escrow or title delays, short sale approval, or lender conditions that cannot be met by any party. The trigger for the 15 business-day timeline starts when the borrower has provided a complete loan file (including income and assets documentation) and has authorized credit card payment for the appraisal. Borrowers must not be self-employed and must have a credit score of 740 or higher, with a Debt-To-Income Ratio not exceeding 35%. TBCU reserves the right to amend or terminate the 15 business-day closing offer at any time, with or without notice, and it cannot be combined with other offers or discounts. Eligible properties for the 15-business-day closing are limited to primary residences and single-family properties.