Mortgage strategy for Houston, TX
Energy-sector and business-owner income, jumbo purchases, and investment properties from The Heights to Sugar Land — Texas financing built around how you earn.
Houston's economy runs on energy and entrepreneurship, which means a lot of buyers here have income that doesn't fit a simple W-2 — business owners, consultants, and commission earners. Sam's focus is turning that income into a clean approval using bank-statement and self-employed programs when tax returns understate what you really make.
The metro's scale and no-state-income-tax appeal also fuel strong move-up and investment activity. Whether you're buying in the Inner Loop or adding a rental in the suburbs, the structure gets matched to the goal.
Programs matched to Houston buyers
Bank-statement and self-employed programs; jumbo and high-balance conforming; DSCR and conventional investment loans; conventional, FHA and VA; and refinances — sourced across 50+ wholesale lenders.
2026 conforming loan limit in Harris County
Harris County uses the national baseline conforming limit of $832,750. Most Houston purchases fall within it, so conforming financing covers a lot of ground, with jumbo available for higher-priced homes.
Neighborhoods across Houston we work in
From The Heights and Montrose to Katy and Sugar Land, Sam works with business owners, move-up buyers, and investors across the Houston metro.
Questions Houston buyers ask
What is the 2026 conforming loan limit in Harris County?
Harris County (Houston) uses the national baseline, so the 2026 one-unit conforming loan limit is $832,750. Many Houston homes price within that; higher-priced and Inner-Loop purchases above $832,750 move into jumbo, which Sam structures.
Can self-employed and energy-sector buyers qualify in Houston?
Yes. Houston is full of business owners and commission earners. Sam uses bank-statement, 1099, and profit-and-loss programs so entrepreneurs and energy-sector professionals qualify on their real cash flow, not just their tax returns.
Start my Houston financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Dallas, Austin, San Antonio.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.