Home financing in Montgomery County.
County-by-county financing guides. No paperwork. No social. No ID.
No institution is headquartered inside the Montgomery County line, but 6 keep an office open here. They are below, by name and by town.
Not this lane? Business FinancingPersonal Financing
The doors in Montgomery County.
The CDFIs, credit unions, and microlenders that actually say yes — county by county, in two languages. We are not a lender. Nobody paid to be listed. And where a county has no good doors, we say so.
- 6
- DOORS HERE
- 0
- BASED HERE
- 108
- TX COUNTIES WITH DOORS
- Lane
- Home Financing
- People
- 620Kresidents of Montgomery County
- Elsewhere in TX
- Harris County →50 doors — the biggest list of any other county in Texas
- State
- Texas →108 of 254 counties hold a door in this lane
Based elsewhere, with a member-facing office inside the Montgomery County line. You can walk in.
- Advancial Credit UnionPersonal · Home
- Community Resource Credit UnionPersonal · Home · Business capital
- Ecu Credit UnionPersonal · Home
- Fivepoint Credit UnionPersonal · Home · Business capital
- Rave Financial Credit UnionPersonal · Home · Business capital
- Smart Financial Credit UnionPersonal · Home · Business capital
- Mission Asset FundAccepts ITIN
Zero-interest lending circles and credit building. SSN or ITIN accepted. Works through nonprofit partners across the country.
Personal - Accion Opportunity FundAccepts ITIN
Nonprofit small-business lender. Accepts ITIN in place of SSN. Serves most states, in English and Spanish.
Business capital - Grameen AmericaAccepts ITIN
Microloans for women entrepreneurs. Requires photo ID and proof of address — no SSN requirement. Branches in major metro areas.
Business capital
How to read this list.
We do not ask for your name, your email, or your number. Nothing on this page changes based on who you are.
A door is headquartered here when its head office sits inside the county line. The rest are based elsewhere and keep a branch you can walk into. We list both, and we label which is which.
Every institution on this page comes from public federal data — the CDFI Fund certified list (Aug 2026), NCUA credit union data (Jun 2026), and the SBA microloan intermediary list (Sep 2026) — plus a short national tier we verified by hand. We refresh each list as its agency publishes. No listing is paid.
Who actually approves home loans in Montgomery County.
home-purchase applications that reached a decision were turned down: 3,449 of 17,634.
- Applications
- 21,755
- Loans made
- 13,371
- Median rate
- 6.1%
- Too much debt for the income37.1%
- Credit history36.2%
- Information they couldn't verify7.8%
- United Shore Financial Services1,5241,16510.6%6.1%
- DHI Mortgage1,43493318.7%4.5%
- Rocket Mortgage1,31790021.9%6.5%
- Lennar Mortgage1,05875123.2%4.3%
- Loandepot.com67750612.9%5%
- CMG Mortgage6594425.8%6.6%
- Ark-la-Tex Financial Services4824083.3%5.5%
- Pulte Mortgage61340223.2%5%
- JPMorgan Chase Bank55134611.4%6.4%
- Guild Mortgage4002914.9%6.5%
The 10 lenders that made the most home loans in Montgomery County in 2025, buying and refinancing together. The mark on each bar is the whole county's denial rate (21.8%). Home loans only: first-lien, owner-occupied, one-to-four-unit homes, as reported under the federal HMDA law. Small lenders below its reporting threshold — many of the credit unions above — don't report, so their loans aren't counted here. Rates are for loans made. Source: HMDA 2025 public loan records (FFIEC).
Montgomery County is one of the places Houston grows into, which means a buyer here is usually choosing between a brand-new house in a master-planned community, an older home closer to the county seat, or acreage and a manufactured home out toward the national forest. Each one is financed differently, and each one carries a different surprise in the monthly payment. This guide explains the loan types, who realistically qualifies, the documents to gather, which institutions in our directory actually keep a door open here, and the local traps — MUD taxes, builder lender pressure, flood insurance — that catch people who only shopped the interest rate.
It's a process, not a rejection.
Home financing is the money you borrow to buy, build, repair, or refinance a place to live. The common shapes are a conventional mortgage, a government-backed mortgage insured or guaranteed by a federal program, a construction loan for building, a renovation loan that rolls repairs into the purchase, a home-equity loan or line against equity you already have, and a chattel loan for a manufactured home not permanently attached to land.
Which shape applies to you depends on what you are buying, and in this county the answer varies more than people expect. Montgomery County sits at the north edge of the Houston metro, and it contains at least three different housing markets pressed together. There are the master-planned communities and new subdivisions pushing out along the interstate corridor, where nearly everything is new construction sold through a builder.
There is older, smaller housing stock in and around the county seat, where the price of admission is lower and the repair list is longer.
And there is rural acreage in the northern part of the county near the national forest and around the lake, where manufactured homes, land-and-home packages, and septic-and-well properties are normal.
Those three markets do not borrow the same way. New construction means a builder, a builder's preferred lender, and incentives attached to using them.
Older homes mean an appraisal that may flag repairs, and a renovation loan may serve you better than a plain purchase loan.
Acreage and manufactured homes mean a smaller pool of lenders, because not every institution will finance a home that is titled as personal property or a parcel that comes with well and septic. Knowing which market you are shopping tells you which lenders to even call.
Forget what the banks say.
A mortgage decision comes down to four questions: can you cover the payment alongside your other debts, is your income stable and documentable, do you have funds for down payment and closing, and does the property support the loan. Credit score matters, but it is one input among four, and government-backed programs exist specifically to widen the door.
What trips up buyers in this county is usually the income documentation, not the income. If you frame houses, run a landscape route, do turnover cleaning, drive a truck, or subcontract for builders, you are self-employed in the eyes of an underwriter even if you work every day of the year. That means:
- Two years of tax returns, read at your net figure after deductions, not your gross receipts
- A year-to-date profit-and-loss statement
- Bank statements showing deposits that match what you reported
- An explanation for any year that dipped
The deduction problem is worth stating plainly, because it costs people houses. Every write-off that lowered your tax bill also lowered the income an underwriter can count. If you plan to buy in the next two filing seasons, talk to whoever prepares your taxes about that tradeoff before you file, not after.
Hourly and shift workers — hospitality, retail, warehouse, healthcare support — usually need recent pay stubs, a couple of years of W-2s, and sometimes a letter confirming your hours are ongoing. Overtime and per-diem shifts can count if you can show a history of them.
If you file with an ITIN, a mortgage is still possible, but the field narrows. Some institutions run ITIN mortgage products they keep on their own books rather than selling.
Federally backed loan programs generally require a Social Security number and work authorization.
The honest path is to ask each institution directly whether they write ITIN mortgages, and to ask before you fall in love with a house. In mixed-status households, ask whether one spouse can apply alone and how that changes the amount you qualify for.
Get your papers in order.
Gather these before you talk to any lender. Pre-approval moves fast when the file is complete and stalls for weeks when it is not:
- 01Government-issued photo ID
- 02Your ITIN or SSN
- 03Two years of W-2s
Or two years of tax returns if you are self-employed
- 04Recent pay stubs covering at least a month
- 05Two to three months of bank and asset statements, all pages, including the blank ones
- 06A year-to-date profit-and-loss statement if you work for yourself
- 07Business license
DBA, or LLC paperwork if you are self-employed
- 08Proof of the down payment source
And a signed gift letter if family is helping
- 09Current landlord's information and rent payment history
- 10Divorce decree
Child support order, or bankruptcy discharge papers if any apply
- 11Purchase contract
And for new construction the builder's contract and option sheet
- MISSING ONE?Ask Iris which one you're missing.ASK A QUESTION ↓
The doors worth knowing.
The plain truth first: no institution in our directory is based inside the Montgomery County line.
ALL 6 DOORS, BY NAME AND BY TOWN- 6
- DOORS HERE
- 175
- ACROSS TX
Based in Dallas, Texas. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Baytown, Texas. A member-owned credit union, which means the people deciding on your file answer to depositors in the same towns you work in.
BEST FORBuying, repairing or refinancing a home, and working capital, equipment and payroll for a small business.Based in Seminole, Florida. A credit union: no shareholders to satisfy, and a habit of reading a whole story rather than a single score.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.Based in Houston, Texas. A credit union — owned by its members rather than by shareholders, which is exactly what changes the conversation after a bank has said no.
BEST FORA personal loan, or building a credit file from nothing, and buying, repairing or refinancing a home.
Don't fall into these traps.
In a county full of new subdivisions this is the single most common mistake. Builder incentives tied to using an affiliated lender can be real money, but so can a better rate elsewhere. Get one outside written estimate. Then compare, and if the builder's offer wins, take it knowingly.
A new house in a MUD can carry a very different monthly payment than an identical house outside one. Ask for a full payment estimate including taxes, insurance, flood insurance if required, HOA dues, and MUD levy before you sign anything.
On brand-new construction, the tax bill in year one is often based on land only, because the house was not finished when it was assessed. The following year the house is on the roll and your escrow jumps. Ask your lender to estimate the fully assessed payment and budget for that number from the start.
If the home stays titled as personal property, you are likely looking at a chattel loan with shorter terms and higher cost than a mortgage. Converting it to real property attached to the land often opens better financing. Ask about that conversion before you sign, not after.
All three are cheap compared to what they reveal. Septic, well, floodplain, and deed restrictions in this county are real variables, not formalities.
Anyone urging you to refinance repeatedly, to sign a deed over, to accept a contract-for-deed arrangement, or to borrow against your home to pay unsecured bills is putting your homestead at risk. Also refuse any lender who pressures you to sign in a language you do not read; ask for a translated document or bring your own interpreter.
No honest lender says the offer expires today. Take the loan estimate home, compare two of them line by line, and ask about every fee you do not recognize.
Everything below is set by Texas, and it reads the same in every county in it. The 6 marks above are this county's own doors — who opens one is decided by them, not by the state.
The rules where you are.
Texas rules shape homeownership here more than in most states, and three of them matter to your payment.
Property taxes are high, because Texas raises revenue through property rather than income tax. In a county with many Municipal Utility Districts, the total levy on a new-subdivision house can include county, city where applicable, school district, and MUD. Shop the payment, not the rate. Also file for your homestead exemption once you own and occupy the home — it reduces the taxable value on your primary residence and there is no charge to apply.
Texas home-equity borrowing is governed by unusually strict rules written into the state constitution. There is a cap on how much of your home's value you may borrow against, a limit on the fees a lender can charge, a required waiting period between application and closing, and specific rules about where the closing may take place. If someone offers to move faster than that, something is wrong. These protections exist because Texas learned hard lessons about equity stripping.
Texas homestead protection is among the strongest in the country: your primary residence is largely shielded from most unsecured creditors. That protection does not extend to the mortgage itself or to property taxes, and Texas allows non-judicial foreclosure, which can move quickly once you default. If you fall behind, call a HUD-approved counselor immediately rather than waiting for a notice.
Finally, Texas requires title insurance premiums to be set by state regulation, so shopping title is about service, not price. Your negotiating room is in lender fees, points, and the survey.
The short version.
- 01
Buying in Montgomery County, Texas means first knowing which of its housing markets you are in — new construction in a master-planned community, older stock near the county seat, or acreage and manufactured homes out north and around the lake. Each one is financed differently and rules out different lenders.
- 02
No institution in our directory is based inside this county, so you are working with branches, statewide credit unions, and national nonprofits. Start with a credit union and ask two direct questions: do you lend on this kind of property, and do you write ITIN mortgages. Then get one competing written estimate even if you plan to use the builder's lender.
- 03
Gather your documents first — two years of returns or W-2s, recent stubs, complete bank statements, and proof of your down payment source. If you are self-employed, understand that deductions cut the income an underwriter can count, and talk to your tax preparer about that before you file again.
- 04
Shop the whole payment, not the rate. Ask about MUD taxes, flood insurance, and HOA dues in writing. File your homestead exemption once you close. And use a HUD-approved housing counselor, whose advice is free or low-cost and who has no stake in whether you close.
Same county, another question.
Business FinancingLoans, lines of credit, and capital for small businesses and contractorsSEE IT IN MONTGOMERY COUNTY →
Personal FinancingPersonal loans, credit building, and ITIN-friendly financing optionsSEE IT IN MONTGOMERY COUNTY →108TX COUNTIES WITH DOORSThe whole stateEvery county in Texas, in this same lane.175 institutions fund homes and repairs inside Texas county lines.OPEN THE STATE →Still don't see your situation?
Ask Iris. She'll explain it the way it should have been explained the first time.