Finding the Best Mortgage Lender in Houston – My Experience with Houston Home Loan Inc.

Buying a home is likely one of the biggest financial decisions you’ll ever make. As exciting as house hunting can be, the mortgage process itself can feel overwhelming. That’s why finding the right lender to work with is so important. I learned this firsthand when I purchased my home in Houston last year. After dealing with a bad lender at the start, I lucked out and found Houston Home Loan Inc. Here’s my story…

My house hunt started out fun My realtor Janet was amazing at narrowing down what I wanted and scheduling showings We must have toured at least 20 homes over 2 months before I found “the one,” A cozy but spacious 3 bedroom Craftsman near downtown,

With an offer accepted it came time to get serious about financing. This was my first home purchase, so I didn’t know much about mortgages. I just went with the lender my realtor recommended – Big Bank Mortgage Company (name changed for privacy). Huge mistake.

Despite assurances the process would be smooth, there were problems from the start. The loan officer barely returned my calls or emails. Documents I submitted got lost multiple times. The interest rate I was quoted seemed to change daily. After 6 frustrating weeks, I was ready to give up on buying my dream home.

That’s when a friend suggested I look into Houston Home Loan Inc. Locally owned and operated since 2005, their reputation for personalized service intrigued me. I figured it was worth a call to see if they could help. And boy, am I glad I did!

Here’s Why Houston Home Loan Was the Right Choice:

1. Excellent Communication

After dealing with unresponsive Big Bank Mortgage, I was shocked when my new HHL loan officer Gerald called me back within the hour. He explained the rates and programs available in detail, allowing me to make an informed decision.

Throughout the entire application and approval process, Gerald was available via phone, email, and text. I never had to wait over a day for an answer to any of my questions. This helped put my mind at ease during a stressful time.

2. Smooth Sailing with Documentation

Big Bank Mortgage repeatedly lost my paperwork, delaying closing. Houston Home Loan’s online portal made submitting documents a breeze.

Gerald would send a quick email indicating what forms he needed. I could upload them straight from my computer in just a few clicks. No chasing down paperwork that somehow got lost in the mail!

3. Closing on Time

Despite the hiccups caused by Big Bank Mortgage, Houston Home Loan closed my loan on time in just 3 weeks! Their efficiency allowed me to stick to my original closing date on the home.

Gerald kept me updated every step of the way on where we were at in the approval process. Thanks to the company’s quick underwriting team, there were no last minute hang ups.

4. Local Experience and Knowledge

As a national lender, Big Bank Mortgage seemed to treat me like just another number. Houston Home Loan’s local roots were evident in their firsthand knowledge of the Houston real estate landscape.

For example, when I asked about flooding risk in the neighborhood I was looking at, Gerald could immediately tell me the flood zone rating. He also knew a lot of the specifics on the various homeowner’s associations in the area.

5. Low Rates and Costs

Despite Big Bank’s size, their rate quote wasn’t very competitive. Houston Home Loan actually beat it by 0.25%! This adds up to thousands of dollars in savings over the loan’s term.

HHL also didn’t nickel and dime me with junk fees like the big banks do. Their costs were very transparent and reasonable.

Why I Highly Recommend Houston Home Loan

After my terrible experience with the first lender, Houston Home Loan really restored my faith in the mortgage process. Thanks to their personalized guidance and efficient service, I’m happily settled into my new home.

Here’s a quick recap of why I highly recommend Houston Home Loan if you’re shopping for a mortgage in the Houston area:

• Local experts with knowledge of the market, neighborhoods, and loan programs specific to the area
• Clear communication throughout the entire application and approval process
• Easy document submission through online portal to prevent paperwork getting lost
• On-time closing thanks to quick underwriting so you don’t miss deadlines
• Competitive rates and costs that beat out big national lenders

Houston Home Loan takes the headaches out of financing and makes the dream of homeownership a reality. I’m so grateful for their help and expertise! Whether you’re a first time or experienced home buyer, do yourself a favor and check them out.

About Houston Home Loan Inc.

Houston Home Loan Inc. is a locally owned mortgage lender that’s been serving Houston area residents since 2005. The company is based in Humble, TX and has a staff of experienced loan officers.

According to their website, Houston Home Loan offers a wide variety of mortgage loans including:

• FHA Loans
• VA Loans
• USDA Loans
• Conventional Loans
• Jumbo Loans
• Cash-Out Refinancing
• Home Equity Loans

They work with primary residences, second homes, and investment properties. As a mortgage broker, they have access to loan options from multiple providers instead of just one.

I worked with loan officer Gerald Godoy who was fantastic. However, the company has several knowledgeable loan officers to choose from.

Houston Home Loan is accredited with the Better Business Bureau and maintains an A+ rating. The BBB has received zero complaints against the company, which indicates they have a great track record.

Outside of my own positive personal experience, online reviews from third party sites like Google and Facebook show the company is highly regarded by other customers as well.

Getting Started with Houston Home Loan

If you’re interested in pre-qualifying or applying for a mortgage with Houston Home Loan Inc, it’s easy to get the ball rolling.

To start the process:

• Call 713-463-5181 to speak with a loan officer directly. Let them know you’re interested in a mortgage quote or starting an application.

• Visit their website www.houstonhomeloan.com and click “Apply Now.” You can complete a quick pre-approval form online to get estimates.

• Stop by their office at 14215 Smith Road, Humble TX 77396 if you would like to meet with someone face-to-face.

Whichever route you choose, the friendly staff at Houston Home Loan will be able to walk you through all the mortgage options available and get you on your way to home financing.

The Bottom Line

Finding the right mortgage lender makes all the difference in having a stress-free home buying experience. I highly recommend Houston Home Loan Inc based on their excellent customer service, smooth process, competitive rates and local expertise. After going through financing hassles with a major bank, Houston Home Loan got me across the finish line and into my dream home. Whether you’re a first time or seasoned home buyer, check them out for your mortgage needs!