Houston Home Mortgage Expert

Helping you and your family achieve the dream of homeownership.

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Patrick Morales

Patrick Morales

Senior Loan Originator

(281) 964-9368
NMLS #904228

Which Home Loan is Right for You?

3 of the most popular Houston home loans we provide here at Mid America Mortgage Houston are listed below. We've highlighted just a few of the key differentiators between these mortgage types that will help you understand which one may be best suited for your needs. If you'd like to learn more about all the Houston home mortgage products we offer, please click below.

Conventional Home Loans Houston

Typically a fixed rate home loan that allows the borrower to eliminate mortgage insurance once they hold >20% equity in their property.

  • Lower Rates
  • Flexible Terms
  • Fixed or Adjustable
Learn More

FHA Home Loans Houston

This home loan program allows down payments as low as 3.5% of the purchase price, although you are required to pay mortgage insurance.

  • Lower Credit Requirements
  • Smaller Down Payment
  • Competitive Rates
Learn More

VA Home Loans Houston

Reserved for those who serve our country. VA home loans offer 100% financing, low interest rates & don't require mortgage insurance.

  • 0% Down Payment
  • No Mortage Insurance
  • No Prepayment Penalties
Learn More

Calculate Your Mortgage

$

5%

1%

5%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
$

0%

1%

5%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

What's Your Home Worth?

Simple Upgrades That Can Increase Your Houston Home’s Value February 21, 2020

Simple Upgrades That Can Increase Your Houston Home’s Value

Most people take great pride in making their home more appealing, and homeowners can spend hundreds or thousands each year on improvements and alterations. One of the main things to consider when choosing an improvement project is how much value it could potentially add to your residence. You also need to think about the overall […]

Home Improvement Projects With The Highest ROI February 14, 2020

Home Improvement Projects With The Highest ROI

Curb appeal has a major impact on the return you’ll see at resale. Among the top 10 home improvement projects with the highest return on investment (ROI) in Remodeling magazine’s newly-released Cost vs. Value Report, nine are outdoor projects. Topping this year’s list is Manufactured Stone Veneer, a project that has consistently ranked toward the […]

4 Window Treatments That Are Energy-Efficient February 7, 2020

4 Window Treatments That Are Energy-Efficient

Windows obviously serve their main purpose of allowing light and fresh air into your home. Windows can also contribute to the cost of heating and cooling your property. One way to cut down on this expense is to use energy-efficient window treatments, such as: Cellular Shades Cellular shades feature hollow cells that trap air, which […]

Reasons To Use A Real Estate Agent To Sell Your Houston Home January 30, 2020

Reasons To Use A Real Estate Agent To Sell Your Houston Home

People often try to sell their home on their own (FSBO…For Sale By Owner). While this may certainly work for some, there are several things you should consider before you list your home yourself. Real estate agents perform many important services and often times deliver better results than a home seller could achieve on their […]

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Contact Patrick Morales

Patrick Morales - Senior Loan Originator

NMLS# 904228

(281) 964-9368

6018 FM 1488 Magnolia, TX 77354

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