Now Lending in Houston
Houston home loans —
the Bayou City.
Smart Mortgage Solutions is a mortgage lender serving homebuyers, homeowners, real estate agents, and investors across Houston and Harris County. From historic bungalows in The Heights to luxury estates in River Oaks, we bring local guidance to the nation's fourth-largest city — with the ability to close in as little as 14 days* and pre-approvals often issued the same day.
Harris County
Houston Metro Coverage
14 days*
Close In As Little As
$832,750
2026 Harris County Conforming Limit
5.0 ★
Google Review Rating
Houston Markets
Local lending across
every Houston neighborhood.
Houston Neighborhoods
A sprawling metro of historic districts, master-planned suburbs, and energy-corridor growth.
- River Oaks & Memorial
- The Heights & Montrose
- Galleria / Uptown
- Kingwood & Clear Lake
Energy-Capital Growth
A diverse, fast-growing economy powered by energy, medicine, and aerospace.
- First-time & relocation programs
- Jumbo financing for luxury homes
- Harris County coverage
- Minutes to the Texas Medical Center
Every Kind of Houston Buyer
From first homes to move-up, luxury, and investor purchases.
- First-time & move-up buyers
- New construction & townhomes
- Jumbo financing for River Oaks luxury
- Investment & rental properties (DSCR)
River OaksThe HeightsMontroseMemorialMidtownDowntownGalleria / UptownKingwoodClear Lake
Loan Programs in Houston
Financing for every
kind of Houston buyer.
FAQ
Houston mortgage
questions answered.
We serve homebuyers and homeowners throughout Houston and Harris County, including River Oaks, The Heights, Montrose, Memorial, Midtown, and the Galleria, plus Kingwood and Clear Lake.
The 2026 conforming loan limit is $832,750 in Harris County, including Houston. Loan amounts above that limit are financed as jumbo loans, which we offer for the area's luxury and higher-priced homes.
Houston borrowers have access to FHA, VA, conventional, jumbo, Non-QM, DSCR, commercial, private money, and second mortgage / HELOC financing — for primary residences, second homes, and investment properties.
Ready to start your Houston home journey?
Get pre-approved today — no cost, no obligation. Houston borrowers, let's get you to the closing table.