Compare Houston Mortgage Programs

Popular Houston Home Loan Options

Houston Mortgage Program

Benefits of Loan Programs

Houston FHA Loan

  • Competitive Houston mortgage rates.

  • FHA qualification is more flexible than conventional loan qualification.

  • Low down payment of 3.5%*.

  • FHA credit requirements are lower.

  • FHA 203k Rehabilitation loans enable homeowners to add upgrades and improvements.

VA Loan Houston

  •  100% financing with no down payment.

  • Mortgage amount can be higher than $417,000 with down payment.

  • Closing costs can be lower than other Houston mortgage options.

  • No mortgage insurance premiums for VA loans.

  • VA gives you the right to prepay without penalty.

USDA Loan Houston

  •  Finance up to 102% loan-to-value.*

  • USDA has lower FICO credit score requirements.

  • There is no monthly mortgage insurance.

  • Roll closings costs and prepaid into the USDA loan (maximum is the appraised value of the property).

  • USDA has fixed rate financing available.

  • There is no loan limit with USDA loans.
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We at New American Funding take great pride in our customer service and make it our number one priority. We encourage you to contact us for complaint resolution or any post-closing questions you may have regarding the servicing of your loan. We strive to have your experience with New American Funding a stellar one. In the rare case that our service did not meet your expectations, please call our customer care hotline at 1-800-450-2010, ext. 7100 or you may contact us by email at Please leave a detailed message and we will follow up with you no later than the end of the next business day.
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