Which companies offer mortgage pre-approval for buying Houston homes?

Short Answer

Houston buyers can request mortgage pre-approval through banks, credit unions, mortgage brokers, online lenders, builder lenders, and local lending teams. A stronger pre-approval usually reviews income, credit, assets, debts, employment, and down payment funds.

If pre-approval is difficult because of credit, self-employment, cash income, ITIN documentation, or recent financial events, owner financing or rent-to-own may be worth reviewing as an alternative path.

A pre-approval is not a final loan approval. The property, appraisal, title, insurance, final underwriting, and contract terms still matter.

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