Buying or refinancing in Katy? I am Neal Pyles, a Senior Loan Officer with Lone Star Financing serving Harris & Fort Bend County and all of Texas. A top school west Houston market with masterplan after masterplan. You get wholesale rates from 25+ lenders and plain talk the whole way.
Low down payment options for primary homes in Katy with competitive Harris & Fort Bend County pricing.
Flexible credit and 3.5% down. Strong fit for first time Katy buyers.
Zero down for eligible Texas veterans and active duty buyers in Katy.
Higher balance financing for luxury and new construction Katy homes.
Lower your rate, pull cash out, or drop mortgage insurance in Katy.
Qualify on rental income, not tax returns, for Katy investment property.
I know Harris & Fort Bend County values, appraisers, and what it takes to win a Katy contract.
You text or call me, not a 1-800 queue. Updates at every step.
Wholesale rates that often beat the bank down the street in Katy.
As little as 0% with VA, 3.5% with FHA, and 3% to 5% with conventional. The right answer for Katy depends on your credit, price point, and goals. A quick call sorts it out.
FHA can go to 580 and sometimes lower. Conventional usually starts around 620. With 25+ lenders I can place Katy scenarios other shops turn away.
Many Harris & Fort Bend County purchases close in 18 to 25 days when documents come in quickly. Refinances vary. I set a realistic timeline up front.
Apply in minutes or grab 15 minutes on my calendar. No pressure, just answers.
Neal Pyles is a Senior Loan Officer (NMLS #1929617) with Lone Star Financing, born and raised in DFW and a UNT grad. He has helped Texas buyers since 2017 across conventional, FHA, VA, jumbo, and investment loans, shopping 25+ wholesale lenders on every file. This Katy guide reflects current Texas lending guidelines and local market knowledge.