Texas Mortgage Services
Comprehensive loan programs tailored for every Texas homebuyer and investor
With 20+ years of Texas mortgage experience, I help families and investors find the perfect financing solution for their unique situation.
Every homebuyer's situation is unique. Whether you're a first-time buyer with limited savings, a veteran looking to use your benefits, an investor building a rental portfolio, or anywhere in between, I have the expertise and programs to help you achieve your homeownership goals.
Loan Programs I Offer
From zero-down options to investor-friendly financing, I offer comprehensive mortgage solutions for every type of Texas borrower.
FHA Loans
Low down payment mortgages with just 3.5% down and credit scores as low as 580.
Perfect for first-time buyers with limited savings
VA Loans
Zero down payment mortgages for veterans and active military with no PMI.
Save tens of thousands in upfront costs
USDA Loans
100% financing for rural and suburban properties with no down payment required.
Buy a home with $0 down in eligible areas
Conventional Loans
Traditional mortgages with competitive rates and as little as 3% down payment.
Most flexible terms and lowest PMI costs
Down Payment Assistance
Texas programs providing up to 5% assistance to help cover your down payment.
Purchase with minimal out-of-pocket costs
DSCR Investment Loans
No income verification financing for rental properties based on cash flow.
Build your portfolio without DTI limits
Mortgage Pre-Approval
Fast pre-approval within 1-3 days to strengthen your buying position.
Know your budget before house hunting
First-Time Homebuyer Programs
Comprehensive guidance on programs, grants, and strategies for first-time buyers.
Stack multiple programs for maximum benefit
Why Choose Ken Harmon for Your Texas Mortgage?
20+ Years Experience
Over 2,000 Texas families helped. Deep knowledge of Texas markets, programs, and regulations.
Personalized Service
Work directly with me from application to closing. No passing you off to junior loan officers.
Fast Closings
Consistent 35-45 day closings. Strong relationships with appraisers and title companies ensure smooth transactions.
My Simple 4-Step Process
Initial Consultation
We discuss your goals, financial situation, and determine which loan programs fit best.
Pre-Approval
Get pre-approved within 1-3 days so you know your budget and buying power.
House Hunting
Shop for homes with confidence knowing your financing is secured and ready.
Closing
I guide you through underwriting, clear conditions, and close on time. Keys in hand!
Additional Mortgage Services
Refinancing
Lower your rate, reduce monthly payment, or access home equity with cash-out refinancing. I'll run the numbers to ensure refinancing makes financial sense.
Learn About Refinance Options →Jumbo Loans
High-value property financing for homes above conventional loan limits. Competitive rates for luxury properties and high-cost Texas markets.
Explore Jumbo Loans →Self-Employed Mortgages
Special programs for 1099 contractors, business owners, and self-employed professionals. Bank statement loans and alternative documentation options available.
View Self-Employed Options →Investment Property Loans
Financing for rental properties and investment real estate. DSCR loans, conventional investor financing, and portfolio lending solutions.
Discover Investor Financing →Ready to Get Started?
Let's discuss your homebuying goals and find the perfect mortgage solution for your situation. Free consultation, no obligation.
Ken Harmon, NMLS #921561 | Licensed Texas Mortgage Professional