In the mortgage industry, there are two kinds of lenders: mortgage bankers and mortgage brokers. You might ask yourself why does that matter  ? Houston Capital Mortgage offers you the best of both worlds; we operate as a mortgage banker offering the pricing and products of a mortgage broker.

Please let us explain the importance further:

Mortgage bankers operate with financial stability and internal controls, as they handle your loan process from approval to funding. They provide funding at the time of your closing with their own funds from their warehouse lines of credit. They typically only offer their own internal products; causing them to be limited in product line and not as competitive with rates.

Mortgage brokers offer many different lender's pricing and products, allowing them to be more competitive with respect to rates and products. They do not underwrite, close or fund your loan, as they outsource all of those functions to the lender providing  their mortgage money. Essentially, they serve as a middle man or broker, and do not internally control the many important aspects of the lending process. 

Houston Capital is a unique company in the marketplace, as we are a mortgage banker in structure, yet a mortgage broker in spirit. We take the best of what each structure has to offer, in providing you with the customer service, products and pricing you deserve ! We are a local owned and operated mortgage banking firm, using state of the art automated technology in our lending processes. Your loan is handled by Houston Capital from start to finish. No last minute unexpected surprises, no out of town paper delays, no waiting for someone else's wire to fund your loan at closing !