— GREATER HOUSTON
— ABOUT GREATER HOUSTON LOANS
Greater Houston
Mortgage Financing
Pacific Home Loans provides mortgage financing throughout Greater Houston, including Houston, The Woodlands, Sugar Land, Katy, Pearland, League City, Conroe, Spring, Missouri City, Clear Lake, Humble, and surrounding communities. We offer conventional, FHA, VA, jumbo, portfolio, and Non-QM loan programs structured for Houston’s extraordinary market diversity – from urban luxury estates and energy sector executive homes to NASA-adjacent military contractor communities and rapidly growing suburban corridors.
Greater Houston is the second-largest mortgage market in Texas, recording nearly 18,700 closed sales in Q1 2025, and is anchored by the fourth-largest city in the United States. Houston’s economy is uniquely diversified – built on the energy industry’s global headquarters concentration, the Texas Medical Center (the largest medical complex in the world), port commerce, and a growing technology sector – creating a buyer pool of unusual breadth and complexity. Energy sector professionals with variable, bonus-heavy, and production-driven income regularly benefit from bank statement and Non-QM qualification. Medical professionals at Houston Methodist, MD Anderson, and the broader Texas Medical Center ecosystem generate consistent physician loan demand. International buyers from the energy industry’s global workforce create meaningful foreign national and asset-based financing demand. The 2026 conforming loan limit across all Houston-area counties is $832,750, with jumbo and portfolio financing commonly applied across River Oaks, Memorial, The Woodlands’ luxury segments, and Sugar Land’s executive communities.
— HOUSTON LUXURY MARKET
Houston Luxury Estate
& Urban Financing
Houston’s luxury residential market is anchored in a collection of established neighborhoods inside the 610 Loop and extending through the Memorial and Tanglewood corridors – communities that have sustained their position as the city’s premier addresses through decades of energy industry and professional wealth accumulation.
Key Houston Luxury Communities
Financing in Houston’s luxury market commonly involves jumbo and portfolio structuring for River Oaks and Memorial Villages estate transactions, energy sector executive income documentation including bonus, carried interest, and production income, and renovation financing for Houston’s significant inventory of mid-century and historic homes.
→ Jumbo Loans
→ Portfolio Loans & Flexible Financing Solutions
— ENERGY SECTOR FINANCING
Energy Sector & Complex
Income Borrower Financing
Houston is the energy capital of the world – home to ExxonMobil, ConocoPhillips, Chevron, Shell, BP, and hundreds of independent operators whose employees represent a uniquely complex borrower population. Energy sector income frequently includes base salary, annual production bonuses, carried interest in oil and gas properties, stock compensation, and variable commission structures that standard W-2 qualification programs are poorly designed to accommodate.
Non-QM programs for energy sector borrowers include bank statement loans using 12 or 24 months of deposits, asset-based qualification based on significant investment and retirement portfolio reserves, 1099 programs for independent contractors in the energy services sector, and portfolio lending for executives with complex compensation structures.
→ Explore Non-QM Mortgage Programs
→ Explore Portfolio Loans & Flexible Financing Solutions
— HOUSTON SUBURBS
The Woodlands, Sugar Land, Katy
& Houston Suburban Financing
The Woodlands – A 28,000-acre master-planned community 30 miles north of Houston with a distinct village structure, resort amenities, and a corporate campus concentration. The Woodlands’ luxury residential market regularly sees transactions above the conforming limit requiring jumbo financing. Condominium inventory adjacent to the Waterway may include non-warrantable project characteristics requiring PrimeResort™ review.
Sugar Land – Fort Bend County’s anchor affluent community, home to a significant population of energy professionals, international buyers, and corporate relocators. Conventional, jumbo, and foreign national loan programs serve Sugar Land’s diverse buyer base.
Katy – One of Houston’s most active primary residence and new construction markets, with exceptional Katy ISD schools, accessible pricing, and consistent demand. Conventional, FHA, and VA programs serve the majority of Katy buyers.
Pearland & League City – The southern suburbs near NASA’s Johnson Space Center generate meaningful VA loan demand from aerospace professionals and military contractors. DSCR investment programs serve the area’s consistent rental demand.
→ Foreign National Loan Programs
→ VA Loans
→ DSCR Loan Programs
— FOR RESORT & NON-WARRANTABLE PROJECTS
PrimeResort™
Some condominiums – particularly resort-designated or non-warrantable projects – require specialized underwriting that conventional lenders cannot provide.
Investor Qualification
Learn more about qualifying for a home loan utilizing investor and cash-flow-based qualification.
Portfolio Loans
Learn more about our portfolio loan options and flexible financing solutions.
— WHY PACIFIC HOME LOANS
Pacific Home Loans
Greater Houston Mortgages
Houston Luxury Market Depth – Jumbo and portfolio programs for River Oaks, Memorial Villages, Tanglewood, and The Woodlands estate transactions.
Energy Sector Specialists – Bank statement, asset-based, and portfolio programs for ExxonMobil, Shell, BP, Chevron, ConocoPhillips, and Houston’s broad energy industry borrower population.
International & Foreign National Programs – Financing solutions for Houston’s significant international buyer population from the global energy industry workforce.
Texas Medical Center Professional Programs – Physician loan programs and Non-QM solutions for MD Anderson, Houston Methodist, and the broader Texas Medical Center community.
NASA Corridor VA Expertise – VA purchase, renovation, and streamline programs for military contractors and veteran buyers in the Clear Lake and League City corridor.
Licensed Across 10 States – Hawaii-headquartered with multi-state licensing, serving borrowers wherever their investment journey takes them.
— COMMON QUESTIONS
Greater Houston
Mortgage FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
Start Your Greater Houston Financing Strategy
Whether you are purchasing a River Oaks luxury estate, an executive home in The Woodlands, a primary residence in Katy or Sugar Land, a VA purchase near the NASA corridor, or an investment property anywhere in Greater Houston, our team can help structure the right financing solution for your goals.
