Buying a home is one of the most important financial decisions you will make, and understanding your mortgage options should not feel overwhelming. At C&T Mortgage, we help borrowers confidently navigate the process with clear guidance, fast answers, and loan solutions tailored to their goals and financial situation.
Whether you are purchasing your first home, upgrading, or exploring specialized loan programs like VA financing, our team is here to help you understand your options and move forward with confidence.
Purchasing Assistant Tool
Finding the right loan starts with understanding what you qualify for and what fits your budget. Our free Purchasing Assistant Tool helps narrow down your options based on your credit score, home type, income, and financial goals. It is designed to give you a clearer picture of your loan eligibility and estimated rates in just a few minutes.
This tool is especially helpful for VA borrowers and first-time homebuyers who want clarity before beginning the formal application process. Once you complete it, our team can walk you through the next steps and help you get pre-approved quickly.
Loan Options
C&T Mortgage offers a wide range of loan programs designed to meet the needs of different borrowers, property types, and financial goals. Whether you are looking for flexibility, lower down payment options, or specialized financing, we can help match you with the right solution.
VA Loans
VA loans are one of the most powerful home financing options available, offering eligible veterans, active-duty service members, and surviving spouses the ability to purchase a home with no down payment and competitive terms.
At C&T Mortgage, VA lending is a core specialty, not a secondary offering. We close VA loans daily and understand the details that matter most, from entitlement and funding fees to structuring strong offers that stand out in competitive markets. Our team provides same-day VA pre-approvals whenever possible and ensures borrowers fully understand their benefits upfront so there are no surprises later in the process.
We also actively advocate for VA buyers with agents and sellers, helping overcome common misconceptions about VA financing. This strengthens contracts, improves offer acceptance, and supports on-time closings.
Fixed-Rate Mortgage
A fixed-rate mortgage provides long-term stability with an interest rate and monthly payment that remain consistent for the life of the loan. This option is ideal for borrowers who want predictable payments and long-term financial planning security.
Adjustable Rate Mortgage (ARM)
An adjustable-rate mortgage offers a lower initial interest rate that adjusts over time based on market conditions. This option is often chosen by borrowers who plan to move, sell, or refinance before the adjustment period begins, or who want lower initial payments.
FHA Loans
FHA loans are government-backed mortgages designed to make homeownership more accessible, especially for first-time buyers or those with lower credit scores. They offer flexible qualification requirements and lower down payment options.
Conventional Loans
Conventional loans are not government-insured and are a common choice for borrowers with strong credit and stable income. They offer flexible terms and can be used for primary residences, second homes, and investment properties.
Conforming Loans
Conforming loans meet Fannie Mae and Freddie Mac guidelines for loan size and underwriting standards. They typically offer competitive interest rates and are widely used for both home purchases and refinancing.
Jumbo Loans
Jumbo loans are designed for higher-priced homes that exceed conforming loan limits. These loans are best suited for borrowers with strong financial profiles and larger down payments.
USDA Loans
USDA loans support homebuyers purchasing in eligible rural and suburban areas. They offer low-to-no down payment options for qualified borrowers who meet income and property location requirements.
Non-QM Loans
Non-QM loans are designed for borrowers who do not fit traditional lending guidelines. These programs are often used by self-employed borrowers or those with unique income structures.
State and Local Housing Programs
State and local housing programs provide additional financing support for eligible homebuyers. These programs vary by location and can include down payment assistance or reduced-rate mortgage options.
Why Choose C&T Mortgage?
C&T Mortgage is more than a mortgage lender. We are a team built on speed, expertise, and hands-on service designed to help borrowers move quickly and confidently through one of the most important financial decisions of their lives.
We have been voted the Best Mortgage Company in Cy-Fair by readers of Living Magazine for 13 consecutive years, reflecting a consistent commitment to service, responsiveness, and results. Our clients work directly with experienced loan professionals who manage every file with care, ensuring clear communication and faster turnarounds without relying on call centers or fragmented support systems.
Our strength lies in combining local expertise with operational efficiency. With in-house loan processing, evening and weekend availability, and fast approval timelines, we are able to move quickly while maintaining accuracy and attention to detail. This approach is especially valuable in competitive markets where timing can determine whether an offer is accepted.
For VA borrowers, this means stronger pre-approvals, clearer expectations, and a lender who actively advocates for your offer. For all borrowers, it means a smoother, more transparent mortgage experience from start to finish.
If you are ready to take the next step, our team is here to help you move forward with confidence.
Hear What Our Clients Have to Say
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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!
Allan Hunt
August 10, 2023C & 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
Tomas Spath
July 17, 2023Tami was absolutely spectacular! Knowledgeable, friendly, and FAST! Great integrity, true customer advocacy, and a history of success. Will use again.
Landon Churchill
July 17, 2023Dealt 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.
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
Ashley Nguyen
May 17, 2023Stephanie 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
Debb Harris
May 17, 2023Carrie was a great help to me always on whatever needed to be done she did a great job !!!
Sandi Roland
May 17, 2023We 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
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
Albert King
May 17, 2023Carrie was just fantastic to work with! Excellent communication..so professional, accommodating and attentive. Can’t wait to work with her again in the future!
Felicia “Fee” M
April 17, 2023Thank you for working to make our first home purchase an enjoyable one. I could not more highly recommend!
Lance Meier
April 17, 2023NICE WORK
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
Mari
February 17, 2023Stephanie 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
Raul Davila
February 17, 2023Process was fast and friendly, thank you Mark team for everything, made closing stress free.
Ly
January 17, 2023Tami 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
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.
Andrew Foulkes
January 17, 2023The 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!
Tiffany Vernon
December 17, 2022I 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
I Am Batman
December 17, 2022From 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
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
Nicole Belanger
November 17, 2022Tami was THE BEST in helping me purchase my first home on my own. I highly recommend C&T for everyone.
Lesley K
November 17, 2022Mark and his team were great! They answered all of our questions, we’re quick to respond, and guided us through the whole process.
Scott Brown
November 17, 2022Mark 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!
kristen bond
November 17, 2022 -
Hands down the best! Great team. LOVE both Tami and Carrie. They are true rock stars!
Samantha Ridgeway
October 17, 2022FANTASTIC EXPERIENCE AND A GREAT RATE!! THANK YOU MARK AND MARIAH!!
Carmina del Fonso
October 17, 2022C&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
Ronny Moya
October 17, 2022OUTSTANDING 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.
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
Blair Allen
October 17, 2022Being 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
Fallon Hasana
October 17, 2022Great folks to work with!!! Highly recommend!! Went above and beyond to take care of all our needs.
Clayton Hooten
October 17, 2022Carrie 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
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.
Mike Mateo
September 17, 2022Stephanie 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
Stevie Webb
September 17, 2022Amazing !! 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
Raul Diaz
August 17, 2021Excellent 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
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
kim Rodrigues
August 17, 2021From 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
Melissa Cruz
August 17, 2021Thanks . Second year hear and enjoying my home Thank you M.Hammond
Jo Holley-Ferguson
August 17, 2021C&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
David Wilson
August 17, 2021
