Every borrower's financial story is unique. We match your credit profile, down payment ability, and home goals with the ideal lending solution.
Conventional loans are not backed by a government agency, offering exceptional flexibility for borrowers with stable income and good credit scores. With down payment requirements starting at just 3% for qualified first-time buyers, conventional financing remains the most popular path to homeownership.
Insured by the Federal Housing Administration, FHA loans are engineered for buyers who need more forgiving credit criteria or higher allowable debt-to-income ratios. FHA is an excellent tool for buyers rebuilding credit or entering the market with limited savings.
Backed by the U.S. Department of Veterans Affairs, this benefit program offers military members, veterans, and eligible spouses the most favorable mortgage terms available in America. Benefit from zero down payment, competitive below-market rates, and complete exemption from monthly mortgage insurance.
The USDA Rural Development guaranteed housing program allows buyers to purchase homes outside high-density urban corridors with zero down payment. Many suburban developments on the outskirts of College Station and Bryan qualify.
Take advantage of rate dips or access built-up equity in your Texas home. Whether you need a streamlined Rate & Term refinance to reduce monthly expenses or a Texas 50(a)(6) compliant cash-out refinance for home improvements, Hunter Thomas will structure the numbers for maximum return.