About Ken Harmon
Texas Mortgage Specialist | NMLS #921561
Helping Texas families achieve homeownership for over 20 years
My Story
For over 20 years, I've had the privilege of helping Texas families achieve their dream of homeownership. What started as a career has become a calling—helping hardworking Texans navigate the mortgage process with confidence and clarity.
I've personally helped over 2,000 Texas families secure financing for their homes. Each closing represents more than just a transaction to me—it's a family achieving financial stability, parents providing a safe home for their children, veterans finally having a place to call their own, and first-time buyers taking that exciting first step into homeownership.
What sets my approach apart is simple: I listen first. Every family's situation is unique, and there's no one-size-fits-all solution in mortgages. Whether you're a first-time buyer with limited savings, a veteran looking to use your VA benefits, or an investor building a rental portfolio, I take the time to understand your goals and find the financing solution that works best for you.
Texas isn't just where I work—it's my home. I understand the unique dynamics of the Texas real estate market, from Houston's diverse neighborhoods to Austin's competitive landscape, from San Antonio's military-friendly communities to Dallas-Fort Worth's thriving suburbs. This local expertise, combined with deep knowledge of Texas-specific programs and benefits, allows me to provide insights and solutions that out-of-state lenders simply can't match.
Areas of Expertise
FHA Loans
Just 3.5% down with credit scores as low as 580. Perfect for first-time buyers and those with limited savings.
VA Loans
Zero down payment for veterans and active military. No PMI and competitive rates for those who served.
USDA Loans
100% financing for rural and suburban properties. No down payment required for eligible Texas properties.
Conventional Loans
Competitive rates with as little as 3% down. Ideal for buyers with good credit and stable income.
DSCR Investor Loans
No income verification for rental properties. Perfect for investors scaling their Texas rental portfolios.
Down Payment Assistance
Expert in Texas DPA programs including My First Texas Home and Hometown Heroes. Many buyers purchase with minimal out-of-pocket costs.
Why Work With Me?
20+ Years of Texas Experience
Deep understanding of Texas markets, programs, and regulations. I know what works in Houston, Austin, Dallas, San Antonio, and everywhere in between.
Personalized Guidance
You'll work directly with me, not get passed to a junior loan officer. I handle your application from start to finish.
Texas Program Expertise
Specialist in stacking multiple programs for maximum benefit. I routinely help buyers combine FHA with Texas down payment assistance for minimal upfront costs.
Fast, Reliable Closings
Consistent 35-45 day closings on purchase loans. Strong relationships with appraisers, title companies, and processors ensure smooth transactions.
Clear Communication
No mortgage jargon or confusing terms. I explain everything in plain English so you understand exactly what you're signing.
Competitive Rates
Access to multiple lenders and programs means I can shop for your best rate and terms. My goal is finding you the right loan, not pushing one product.
Credentials & Recognition
What Clients Say
"Ken made our first home purchase incredibly smooth. He took the time to explain every step and helped us combine FHA with Texas down payment assistance. We closed with less than $2,000 out of pocket on a $285,000 home!"
"As a veteran, I wanted to maximize my VA loan benefits. Ken showed me Texas property tax exemptions I didn't even know existed. His expertise saved me thousands every year."
"Ken helped me build my rental property portfolio with DSCR loans. I went from 4 properties to 12 in 18 months. His knowledge of investor financing is unmatched."
My Commitment to You
When you work with me, you're not just another loan number. You're a Texas family I'm honored to help achieve homeownership. I'll treat your loan application with the same care and attention I'd want for my own family.
I'll answer your calls, respond to your emails, and be available when you need guidance. I'll fight for your best rate and terms, explain everything clearly, and close your loan on time. That's my promise to every client.