Helping Texas families achieve homeownership with FHA, VA, USDA, conventional, and investor loans. Over 20 years of experience serving the Lone Star State.
www.4YourHomeLoan.com
From first-time homebuyers to seasoned investors, we have the right mortgage solution for your Texas home purchase or refinance.
3.5% down payment, credit scores as low as 580
Zero down payment for veterans and military
100% financing for rural Texas areas
As low as 3% down with great credit
No income verification for rental properties
High-value properties above conforming limits
Lower your rate or cash out equity
Bank statement and 1099 loan programs
Apply online through our secure Loan Factory portal, or call Ken directly for a personal consultation. There's no obligation for a pre-qualification review.
Applications processed securely through Loan Factory, Inc. NMLS #320841 · Ken Harmon NMLS #921561
Find your perfect neighborhood before you buy. Neighborhood Mojo gives you hyperlocal intelligence on Texas communities with detailed school ratings, safety scores, commute times, and real estate market data.
Compare hundreds of Texas neighborhoods with school grades, safety ratings, commute calculators, and market data.
View All NeighborhoodsReal experiences from Texas homebuyers
"Ken made our first home purchase incredibly smooth. He explained every step clearly and got us approved with just 3.5% down using an FHA loan. We closed in 38 days!"
Sarah Martinez
Houston, TX
"As a veteran, I was thrilled to learn I qualified for a VA loan with zero down payment. Ken walked me through the entire process and saved me thousands compared to a conventional loan."
Robert Johnson
Austin, TX
"I am self-employed and thought I would never qualify for a mortgage. Ken found a bank statement loan program that worked perfectly for my situation. Closed on my dream home last month!"
Jennifer Lee
Dallas, TX
Plain-language guides for Texas homebuyers and investors
Everything Texas homebuyers need to know about FHA loans — down payment, credit score requirements, and how to apply.
Zero down payment, no PMI, and competitive rates — learn why VA loans are one of the best options for Texas military families.
No income verification needed — qualify based on rental income. How DSCR loans work for Texas real estate investors.
Estimated Monthly Payment
$2,206.58/mo
Principal & Interest
$1,706.58
Taxes
$400.00
Insurance
$100.00
Loan amount: $270,000 · This is an estimate only. Actual payments depend on program, lender, mortgage insurance, HOA, and underwriting. Not a commitment to lend.
Fully licensed mortgage professional
Authorized to serve all Texas markets
Backed by industry-leading platform