From The Woodlands to Sugar Land, we help Space City families finance their dreams with local expertise and 21-day closings. We are a direct mortgage lender in Houston with in-house underwriting.
Est. Monthly Payment
Your Rate
5.99%
Trusted by Houston Families
Faster than any national lender. We know the Harris County title process inside and out.
Updated every 15 minutes.
Use our free calculators to plan your purchase or refinance before you apply.
We stripped away the bank bureaucracy. Here is your new path home in Houston.
Sync your bank data securely. No PDFs or faxing tax returns.
Get a verified approval letter that is as good as cash to Houston sellers.
Sign 90% of docs online. Show up to a local title company for the keys.
Our team operates out of our San Antonio office at 1846 N Loop 1604 W, Ste 205, serving Houston borrowers via phone, video, and remote closings. Texas-licensed and dedicated to fast, transparent service.
Branch Manager & Loan OriginatorNMLS #1775990
Ben Gheliuc runs the STX Lending branch in San Antonio. Before mortgages, he spent over a decade as a mechanical engineer managing large commercial projects. He moved into the mortgage industry in...
Meet Ben
Mortgage Loan OfficerNMLS #1013126
Mary Gale is a Mortgage Loan Officer at STX Lending and has been licensed in the industry since 2020. Before mortgages she spent more than seven years as an Executive Assistant and Bookkeeper at a...
Meet Mary
Mortgage Loan OriginatorNMLS #1183936
Isliana Norwood has been originating mortgages in San Antonio for 12 years. She started in college as a Loan Officer Assistant and stayed in the industry because she liked the work of getting...
Meet IslianaWe operate one Texas office and serve Houston borrowers by phone, video, and remote closings.
Buying a home in the Houston area requires a lender who understands the unique pace and complexities of the Central Texas market. From strict property tax assessments in Harris County to writing winning offers in multiple-bid scenarios, STX Lending provides the local advantage you need.
"We were relocating to Houston for a new role in the Medical Center and needed to close fast on a home in Katy. STX Lending not only beat the rates we were quoted by a national bank, but their team handled our strict timeline seamlessly. We closed in 15 days and beat out three other offers because our approval was rock solid."
Every buyer is different. We match you with the program that saves the most money, not the one easiest for us to sell.
0–10% down for Texas Medical Center professionals. We understand complex doctor income structuring and student debt treatment.
Finance Energy Corridor and Memorial high-value properties above conforming limits with our competitive in-house Jumbo programs.
$0 down for eligible veterans and active military near Ellington Field. No private mortgage insurance, competitive rates.
As little as 3.5% down with flexible credit requirements — a great path for Houston first-time buyers.
Buy Houston rental properties using the property's rent income — no personal income verification or tax returns needed.
Access your Houston home equity under Texas's unique 80% LTV cash-out rules. We structure these correctly every time.
Property tax is half of your monthly housing cost in Texas. Get an exact estimate for Harris County with homestead exemption math built in.
Estimate my property taxSTX Lending is licensed across all of Texas. Find your city below.
Every buyer is different. Browse all programs or talk to an advisor.