Loan Programs

Every Mortgage Houston
Needs — In One Place.

From zero-down VA loans to DSCR investor financing, All-In-One cash flow optimization, jumbo luxury purchases, and custom construction — Tyler brings the full CMG product shelf to Houston, Katy, Cypress, and beyond.

Six Products. One Expert.

Tyler will match you to the right program the first time — not after three weeks of underwriting. Each loan type has a dedicated landing page with full details, FAQs, and Houston-specific guidance.

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Most Popular

Conventional Loans

The backbone of the Houston purchase market. Flexible terms, competitive pricing, PMI that disappears at 20% equity, and options for every buyer from first-timers to move-up buyers.

Down payment from 3%
No PMI at 20%+ down
Investment & second home eligible
15, 20, and 30-year fixed options
Learn More →
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First-Time Buyers

FHA Loans

Government-backed flexibility for buyers who don't have perfect credit or a large down payment. The most accessible path into a Houston home for many buyers.

3.5% down with 580+ credit
Higher DTI tolerance
Gift funds allowed
Assumable loan benefit
Learn More →
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Veterans & Active Duty

VA Loans

The most powerful benefit in mortgage. Zero down, no PMI, and competitive terms for the men and women who earned it. Houston has one of the largest veteran communities in Texas.

Zero down payment required
No private mortgage insurance ever
Reusable benefit
Assumable loan
Learn More →
★ Signature Product

All-In-One Loan

Your mortgage fused with a checking account. Every dollar you hold reduces your balance daily — dramatically accelerating payoff and equity for business owners and strong cash-flow borrowers.

Daily interest on net balance
Access equity like a HELOC
Ideal for variable income earners
Available in Texas
Explore the AIO →
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Luxury & High-Value

Jumbo Loans

Above the conforming limit ($806K+ in Texas for 2025). For River Oaks, Memorial, West University, The Woodlands, and Houston's premium markets — Tyler moves these files fast.

Loans above conforming limit
10–20% down options
Self-employed and asset programs
Investment property jumbo
Learn More →
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Custom Builds

Construction Loans

Build your dream home on your lot with one-time close financing. Rate locked before ground breaks. Interest-only during construction. Converts automatically at CO — one closing, no re-qualifying.

One closing — no second loan
Rate locked at closing
Available: Conventional, FHA, VA, USDA
Draw schedule financing
Learn More →
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Investor Programs (DSCR)

Qualify on rental income — not your tax returns. DSCR loans let investors scale without W-2 documentation. Close in your LLC. No hard portfolio cap.

Explore Investor Financing →
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Builder Spec Financing

Conventional, FHA, VA, and USDA spec programs for builders with CMG's Build & Lock rate reservation. AIO is not available for spec construction in Texas.

Explore Builder Programs →

Not Sure Which Loan Fits?

Book a free 30-minute call with Tyler. He'll run the numbers on your specific situation — credit, income, down payment, and goals — and tell you exactly which program wins for you.