Flexible Loan Programs

Houston, TX

A Wide Range of Mortgage Solutions to Fit Your Needs

At Ero Lending, we pride ourselves on offering a diverse selection of mortgage loan programs tailored to meet the unique needs of our clients in Houston, TX. Whether you're a first-time homebuyer, a seasoned investor, or someone with non-traditional income, we have a solution for you.

We understand that each borrower has a different financial situation, which is why we focus on providing personalized guidance throughout the loan process. By evaluating your long-term goals and current financial profile, we help you identify the mortgage that aligns with your objectives.

Our loan products include:

Qualifying Mortgage Loans

• FHA loans: FHA loans remain a popular choice for buyers looking to enter the housing market with lower down payments. We guide you through the FHA process, explaining requirements clearly and helping you determine how these loans can provide stability and flexibility, particularly if you’re considering the impact of a 15 year home mortgage rate in Houston, TX on your monthly payments.
• VOE loans: are ideal for borrowers with verifiable employment income. Our team ensures your employment documentation meets lender standards, helping you secure a loan that reflects your financial capacity while taking advantage of competitive options.
• Conventional loans: Conventional loans provide flexible terms for borrowers with strong credit profiles. We help you navigate these options, highlighting how shorter-term plans can save you money on interest while building equity faster.

Non-Qualifying Mortgage Loans

• Bank Statement loans: Bank Statement loans are designed for self-employed individuals or those with irregular income. By analyzing your bank statements and income patterns, we tailor your loan structure to maximize affordability, incorporating a competitive 15 year home mortgage rate in Houston, TX where appropriate.
• ITIN loans: ITIN loans offer homeownership possibilities for borrowers without a Social Security number. Our experienced team explains eligibility, documentation, and how a 15 year home mortgage rate in Houston, TX could fit into your financial planning and long-term investment strategy.
• DSCR loans: DSCR loans are tailored for investors who focus on property cash flow. We assess your investment potential and demonstrate how a home mortgage can influence your portfolio, helping you plan for higher returns and reduced risk.
• Foreign loans: Foreign loans enable non-resident buyers to secure property in Houston. Our team navigates the complexities of international financing while advising on how a home mortgage can impact affordability and repayment schedules.

We work with all types of credit and never turn anyone away. Our commitment is to ensure that every client, regardless of credit history or income type, has access to mortgage programs that make homeownership achievable. By including options like a 15 year home mortgage rate in Houston, TX, we provide tangible pathways to financial security and investment growth.

Contact us today to explore the many mortgage options available to you!

Why Houston Homebuyers and Investors Choose Ero Lending

Securing the right mortgage is essential for achieving your homeownership or investment goals. At Ero Lending, we understand the challenges many borrowers face and offer solutions that make financing more accessible. Whether you're looking to buy your first home, refinance, or invest in property, our loan programs are designed to help you succeed. People turn to us because:

• They need flexible options for non-traditional income: We cater to self-employed clients and those with varied income sources. Our strategies often highlight how leveraging a 15 year home mortgage rate in Houston, TX can help borrowers manage finances efficiently and achieve quicker loan payoff.
• They want to take advantage of competitive rates: Our clients trust us to provide access to competitive mortgage rates. By reviewing trends in Houston mortgage rates, we help buyers and investors make informed decisions that reduce long-term interest costs.
• They require support with credit challenges: We assist clients in understanding and improving their credit profile. Even for those with past credit issues, options like a 15 year home mortgage rate can be structured to offer manageable payments and steady progress toward financial goals.
• They seek incentives toward closing costs: Closing costs can be a barrier to homeownership. We identify programs and lender incentives that help offset these costs while factoring in how a 15 year home mortgage rate in Houston, TX could enhance affordability.
• They value personalized service and local expertise: Our Houston-based team brings local market knowledge to every transaction. We combine this expertise with a clear understanding of current mortgage rate conditions, ensuring each client receives guidance tailored to both their goals and the local market.

The Ero Lending Advantage

Choosing Ero Lending means partnering with a team that puts your needs first. With more than 29 years of experience, we’ve built strong relationships with lenders and offer a one-stop shop for all of your mortgage needs. As a locally owned and minority-owned business, we’re committed to serving our community with integrity and care. When you work with us, you benefit from:

• Appraisal waivers to save time and money: Our appraisal waiver programs can reduce the hassle of additional fees. We also explain how understanding home mortgage rates in Houston, TX plays a critical role in calculating true loan costs over time.
• Mortgage calculators to help you plan: We provide tools that allow clients to estimate monthly payments, interest, and long-term savings. Calculating scenarios with a 15 year home mortgage rate in Houston, TX lets borrowers make confident decisions about loan terms and investment potential.
• Phone screenings for convenience: We streamline the application process through efficient phone consultations. During these screenings, we discuss how different mortgage programs align with your goals.
• Exceptional customer service and guidance: Our commitment to transparent, knowledgeable service ensures clients always feel supported. We guide each step of the mortgage process, integrating insights on mortgage rate trends to help clients make informed choices.
• A trusted team that works with all credit types: From first-time buyers to experienced investors, we manage a wide spectrum of credit scenarios. Our approach ensures that options like a 15 year home mortgage rate in Houston, TX remain accessible to nearly every borrower.

Let’s Get Started on Your Mortgage Journey

Whether you're buying, refinancing, or investing, Ero Lending is here to help you every step of the way. Our team is dedicated to making the mortgage process smooth, transparent, and tailored to your goals. We provide ongoing support, from initial consultation to closing, and continually monitor the market to present opportunities such as a 15 year home mortgage rate in Houston, TX that best fit your needs.

With our wide range of loan programs and commitment to customer satisfaction, we’re your premier source for mortgage loans in Houston. Our goal is to empower you with the knowledge and tools necessary to navigate the mortgage landscape confidently, while taking advantage of favorable terms whenever possible. Get in touch with us today for all of your mortgage needs—we’re ready to help you move forward with confidence.

Our Loan Programs