Narrow down your loan options based on your individual needs and capabilities with our free tools and resources. Here, you can learn more about our loan types and who they’re best suited for, as well as use our free purchasing assistant to get an accurate rate based on factors such as the type of home you’re looking for, your credit score, and more.
Loan Options
Our varied loan options are suited to meet the needs of clients depending on their unique goals and challenges. Read more about our available loans below.
Adjustable Rate Mortgage (ARM)
An ARM is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. These are used to purchase residential property, and they are typically available to borrowers based on financial criteria like income and credit score. Borrowers who expect to sell or refinance their property before the adjustable period kicks in, or who anticipate interest rates to decrease over the term of the loan, may prefer an ARM for its initially lower, but variable rates compared to fixed-rate mortgages.
Conforming Loans
Conforming loans meet the guidelines set by Fannie Mae and Freddie Mac, including limits on loan size and underwriting standards. These loans are used for purchasing or refinancing residential properties. To be eligible for a conforming loan, borrowers must meet the credit, income, and debt-to-income ratio requirements specified by Fannie Mae and Freddie Mac. Homebuyers often choose this loan type because it offers lower interest rates and more favorable terms.
Conventional Loans
Conventional loans are mortgage loans not insured by a government agency, such as the FHA, VA, or USDA. They are used to finance primary residences, secondary homes, and investment properties. Borrowers typically need a good credit score, a stable income, and a low debt-to-income ratio to qualify for a conventional loan.
FHA Loans
FHA loans are mortgages insured by the Federal Housing Administration (FHA), used to finance the purchase of residential properties, especially for first-time homebuyers. These loans are available to borrowers with lower credit scores and smaller down payments.
Fixed-Rate Mortgage
A fixed-rate mortgage or fixed-rate loan is a home loan with a constant interest rate and monthly payments that remain the same for the life of the loan. This loan type is available to qualified borrowers based on income, credit score, and debt-to-income ratio, and it is typically picked by those who prefer predictable mortgage payment amounts and long-term stability.
Jumbo Loans
Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. These are used for purchasing high-value properties that require larger loan amounts. To be eligible, borrowers typically need excellent credit, a high income, and a larger down payment (often 20% or more). These loans are suitable for buyers of luxury homes or properties in high-cost areas who need to borrow more than the conforming loan limit.
Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans do not meet the criteria for Qualified Mortgages set by the Consumer Financial Protection Bureau (CFPB). These are often used for unique financial situations such as self-employed borrowers, those with non-traditional income, or those with significant assets but irregular income, and they are available to borrowers who may not fit the traditional underwriting guidelines of a qualified mortgage.
State and Local Housing Programs
FHA loans are mortgages insured by the Federal Housing Administration (FHA), used to finance the purchase of residential properties, especially for first-time homebuyers. These loans are available to borrowers with lower credit scores and smaller down payments.
USDA Loans
USDA loans are mortgages backed by the U.S. Department of Agriculture for properties in eligible rural and suburban areas, used to finance homes in rural areas with favorable terms such as no down payment. These are available to low-to-moderate-income buyers who meet income and requirements about where the property is located.
VA Loans
VA loans are mortgages guaranteed by the U.S. Department of Veterans Affairs (VA) for eligible veterans, active duty service members, and certain members of the National Guard and Reserves. These are used to finance residential properties, often with no down payment and favorable terms.
Purchasing Assistant Tool
This Free Purchase Assistant has been designed to help narrow down options based on your individual needs. It's quick, it's easy, and the more questions you answer - the more accurate your results.
Why C&T Mortgage?
C&T Mortgage has been voted the Best Mortgage Company in Cy-Fair by readers of Living Magazine for 11 years running—a reflection of the team’s dedication to flexibility, exceptional customer service, and using their expertise to get incredible deals for their customers.
With a range of loan types tailored to our clients’ preferences and needs and a number of conveniences like in-house loan processing, service on nights and weekends, and a 24-hour approval turnaround time, we’re ready to be your trusted mortgage lender.
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
