What loan types work best in Houston?

FHA and conventional loans cover the bulk of Houston's market. VA loans are strong for veterans given the proximity to Ellington Field and other military installations. For luxury properties in River Oaks or Tanglewood, jumbo products are available.

Does Texas have any unique mortgage rules?

Yes. Texas has specific homestead protections and rules around cash-out refinances, you can only cash out up to 80% LTV on a primary residence, and there's a required 12-day waiting period after application. Dan knows these rules and will walk you through them.

Is Houston a good market for investment properties?

Houston has strong rental demand from its large workforce and relatively affordable entry prices, making cap rates more favorable than coastal cities. Dan can structure conventional and DSCR investment property loans for Houston buyers.

Dan Ardis | NMLS #1412272

Mortgage Broker in Houston, TX

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Helping Houston buyers and homeowners navigate one of America's most dynamic real estate markets with access to 100+ wholesale lenders and honest, no-pressure mortgage advice.

Apply Now for Free (661) 342-9381

The Houston Housing Market

Houston is the fourth-largest city in the US and one of the most diverse housing markets in the country. Median home prices range from $280K to $420K depending on neighborhood, making it genuinely accessible compared to coastal metros. The energy sector anchors the economy, but Houston's diversification into healthcare (Texas Medical Center), aerospace (NASA JSC), and tech has broadened its buyer base. No state income tax adds meaningful purchasing power for Houston buyers. Inventory tends to be more balanced than other major metros, giving buyers reasonable negotiating room.

Why Choose Dan Ardis for Your Houston Mortgage?

Dan is personally licensed in Texas and works with wholesale lenders that serve Houston's full price range, from FHA first-time buyer loans to jumbo financing for properties in River Oaks and Memorial. Remote closings are standard, and Dan's process is fully digital from application through signing. You get direct access to Dan throughout, not a processing team.

Loan Programs in Houston

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Mortgage FAQs for Houston

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Ready to Buy in Houston?

Apply online or call Dan at (661) 342-9381 for a free consultation. Licensed to lend in Texas.

Apply Now (661) 342-9381