Welcome to C&T Mortgage, Inc!

The C&T Mortgage, Inc Team is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in all of Texas. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.


When purchasing a home there are many home loan options that are available to you, not all are created equal and we want to help you find the one that will work best for you. Conventional loans are the most typical types, and you’ll find our rates being some of the most competitive around. However there are many alternatives. Government guaranteed loans are some of those. If you’ve served or are serving in the military you could qualify for a VA loan which also lets you purchase a home for no money down, but there is no limitation on where you can purchase a home. Then there are jumbo loans for homes that are priced over $647,200. As you can see there are many home loan options, but we make it easy on you. Just use our online Purchase Assistant and we will get back to you with a custom rate quote to see which loan program would be best for you situation.

We also specialize in the following Texas Mortgage Loans:

  • FHA Loans
  • Cash Out Home Loans
  • Conventional Loans
  • VA Loans
  • USDA Loans
  • And Much, Much More!

Although we are located in Cypress, Texas, we offer unparalleled mortgage and refinance service to clients throughout the entire State of Texas!

Let us help you get your home today.


Rated mortgage company in Cypress for 11 years running


Of our clients would recommend us


Years of combined mortgage industry experience

Low Rates. Zero Hassles.

Why Choose Us?

Call Us Today! (832) 220-1480
TOLL FREE 877-834-5710

Check out our most recent TV Interview on Great Day Houston!

Loan Options

We Offer Many Different Loan Programs To Meet Your Needs.

FHA Loans

FHA loans are a popular choice among first time homebuyers given their low down payment requirements and ease of qualification.

Home Refinance Loans

Learn more about how refinancing your mortgage can help you save money over the life of your loan by lowering your interest rate or reducing loan terms.

VA Loans

Veterans, active military, and their families can take advantage of a VA loan to purchase a home with no money down, great interest rates, and no private mortgage insurance.

Jumbo Home Loans

Jumbo loans can be the perfect option if you are looking for a home loan that exceeds the limits placed on government backed options such as FHA loans.

Home Purchase Loans

Whether you are interested in a Conventional Loan, FHA Loan, VA loan or other financing option, our team of experts will help you find the solution that works best.

Conventional Loans

Great rates and buyer flexibility make conventional loans the most popular mortgages on the market today. Plus, we'll get you the best rate available.

What our clients are saying

  • Very knowledgeable group that worked diligently to get us into our new home. I felt comfortable and informed throughout the entire process. I highly recommend Carrie and her team!

    thumb Allan Hunt
    August 10, 2023

    C & T Mortgage came through for me twice in the last 4 years! Twice they got me a home loan. Twice they told me what was possible... read more

    thumb Tomas Spath
    July 17, 2023

    Tami was absolutely spectacular! Knowledgeable, friendly, and FAST! Great integrity, true customer advocacy, and a history of success. Will use again.

    thumb Landon Churchill
    July 17, 2023

    Dealt with the team from a remote location. Mark and his Team are outstanding professionals who were super responsive, and worked very hard to help me secure the right mortgage.

    thumb D Shep
    July 17, 2023
  • Thank you Stephanie for your support and the quick turnaround. You were great to work with and very responsive for all my questions

    thumb Ashley Nguyen
    May 17, 2023

    Stephanie was fantastic to work with - knowledgeable, professional and patient. She took us through the entire process, step by step, taking the time to help us understand each part.... read more

    thumb Debb Harris
    May 17, 2023

    Carrie was a great help to me always on whatever needed to be done she did a great job !!!

    thumb Sandi Roland
    May 17, 2023

    We could not be more pleased with our experience with C&T mortgage. Tami took care of every single detail of our home buying process with excellence, professionalism, extreme care,... read more

    thumb Katie
    May 17, 2023
  • Amazing team and staff! Extremely professional and knowledgeable. Took great care of my family during our home buying process and they treated us like family! What could have been hard... read more

    thumb Albert King
    May 17, 2023

    Carrie was just fantastic to work with! Excellent communication..so professional, accommodating and attentive. Can’t wait to work with her again in the future!

    thumb Felicia “Fee” M
    April 17, 2023

    Thank you for working to make our first home purchase an enjoyable one. I could not more highly recommend!

    thumb Lance Meier
    April 17, 2023


    thumb Faisal Khalil
    April 17, 2023
  • Carrie is amazing! She is effective, honest, supportive and reliable. We are thankful for all the help we received and will continue to recommend C&T Mortgage to others. Thank you... read more

    thumb Mari
    February 17, 2023

    Stephanie and all of C&T were great! They answered all of our questions and made this a smooth and knowledgeable experience. Most importantly we could trust that they had our... read more

    thumb Raul Davila
    February 17, 2023

    Process was fast and friendly, thank you Mark team for everything, made closing stress free.

    thumb Ly
    January 17, 2023

    Tami and her team are awesome!! From helping us get a great rate in a tough season, to helping with timelines in a fluid closing situation, they didn't miss a... read more

    thumb Daniel Daly
    January 17, 2023
  • Carrie is awesome. We've worked with her on multiple property deals now and won't be going elsewhere. Quick, accurate, dedicated and always available for questions as and when we need.

    thumb Andrew Foulkes
    January 17, 2023

    The absolute best experience on our new home! Tami and her staff were efficient, fast, and always available! I can’t thank them enough for making this process so easy!

    thumb Tiffany Vernon
    December 17, 2022

    I could not recommend this team enough! They worked night and day for me to fit a great house into my budget. Specifically Tami and Mariah on the team were... read more

    thumb I Am Batman
    December 17, 2022

    From start to finish, Jennifer and her team were absolutely amazing! I would recommend Jennifer and her services to anyone! She truly made my buying experience such a smooth and... read more

    thumb Kimberly LeRoy
    December 17, 2022
  • I am so incredibly thankful for having been recommended to C&T Mortgage! Throughout my entire first time home buying experience, I felt that I could call Tami and she was... read more

    thumb Nicole Belanger
    November 17, 2022

    Tami was THE BEST in helping me purchase my first home on my own. I highly recommend C&T for everyone.

    thumb Lesley K
    November 17, 2022

    Mark and his team were great! They answered all of our questions, we’re quick to respond, and guided us through the whole process.

    thumb Scott Brown
    November 17, 2022

    Mark and his team are great! Always willing to go the extra mile and really care about you! Made a stressful time that much easier! Highly recommend them!

    thumb kristen bond
    November 17, 2022
  • Hands down the best! Great team. LOVE both Tami and Carrie. They are true rock stars!

    thumb Samantha Ridgeway
    October 17, 2022


    thumb Carmina del Fonso
    October 17, 2022

    C&T Mortgage was great to work with. Stephanie guided us through the process and answered all of my detailed questions. They were able to offer us a very competitive rate.... read more

    thumb Ronny Moya
    October 17, 2022

    OUTSTANDING TEAM !!! Thank You so much. I can’t say enough about them. From start to finish was top notch. We closed in less than two weeks.

    thumb Jed Holt
    October 17, 2022
  • Carrie and the C&T Morgage team were absolutely fantastic. With the market over the last few years we were trying for a very long time to buy a house. ... read more

    thumb Blair Allen
    October 17, 2022

    Being referred to Jennifer was the best thing that could’ve happened to me during a first home purchase. I had another mortgage lender that was not so great at first.... read more

    thumb Fallon Hasana
    October 17, 2022

    Great folks to work with!!! Highly recommend!! Went above and beyond to take care of all our needs.

    thumb Clayton Hooten
    October 17, 2022

    Carrie with C&T Mortgage is the best! Honest, friendly, reliable, and always there to answer any question we had. She walked us through the whole process and made this... read more

    thumb Gabriela Pozas
    September 17, 2022
  • What a great experience. Our loan agent Maria Young was so patient and professional with us throughout the entire process. Really made us very comfortable in the entire process.

    thumb Mike Mateo
    September 17, 2022

    Stephanie Drewry and the entire C&T Mortgage team were absolutely amazing! Stephanie made buying my first home a breeze. From initial conversations, walking me through all my paperwork to closing,... read more

    thumb Stevie Webb
    September 17, 2022

    Amazing !! I don’t think that word even comes close to describing Jennifer. Her talent, patience and knowledge goes beyond ! She makes home buying such an easy process !!!... read more

    thumb Raul Diaz
    August 17, 2021

    Excellent service, always in touch with us throughout the refinance process. First time ever to have a pleasant experience with a mortgage company, and they were wonderful. I... read more

    thumb Carol McCauley
    August 17, 2021
  • Janelle Viscomi was the Lady that helped us purchase our home. She went above and beyond to help us. Always very nice and helpful. And returned phone calls and texts... read more

    thumb kim Rodrigues
    August 17, 2021

    From the very first call until after closing, Carrie and her team at C&T mortgage made our first home buying experience memorable. Carrie and her team were efficient, professional, and... read more

    thumb Melissa Cruz
    August 17, 2021

    Thanks . Second year hear and enjoying my home Thank you M.Hammond

    thumb Jo Holley-Ferguson
    August 17, 2021

    C&T was recommended by a friend and they exceeded my expectations. Carrie was really great to work with. Understood what we wanted and beat the prices of the national... read more

    thumb David Wilson
    August 17, 2021