Harris County · Texas

Mortgages in Houston.

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, refinance, Texas home equity and rental property loans in Houston and Harris County, from 100+ wholesale lenders through C2 Financial Corporation.

  • $541,2872026 FHA limit, Harris County
  • 100+Wholesale lenders
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What can we help you with?
LicensedStatewide in Texas C2 Financial CorporationLicensed mortgage broker 100+ lendersWholesale network
2026

Houston by the numbers

Harris County's FHA limit sits at the national floor, which covers most Houston purchases. Flood risk is the issue to check first on any Houston property.

FHA · 1 unit · Harris County $541,287 The national floor, which covers most purchase prices here.
Conforming · 1 unit $832,750 Loans above this are jumbo loans.
Median sale price $325,000 Greater Houston single-family median, September 2026 (Houston Association of Realtors).
City tax rate $0.5192 City of Houston rate per $100 of value, tax year 2025. County, school district and special district rates are added on top.
State income tax None Texas has no state income tax, and no transfer tax on home sales.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in Houston should know

About Houston

Living and buying in Houston

Houston is a global energy center and home to the Texas Medical Center, the largest medical complex in the world, with more than 120,000 employees.

Inside the city, buyers look at older homes and new townhomes in the Heights, Montrose and Midtown, established River Oaks and Memorial, and suburbs such as Katy, Sugar Land, The Woodlands and Pearland.

Neighborhoods

Where buyers look

Schools: Houston ISD is the main district; parts of the city are in Spring Branch, Alief, Aldine, Cy-Fair, Katy and Fort Bend ISDs. Check the district for any specific address before you buy.

Loans in Houston

Loan programs

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Houston mortgage FAQ

What is the 2026 FHA loan limit in Houston?
$541,287 for a one-unit home in Harris County, the national FHA floor.
Do I need flood insurance in Houston?
Lenders require it for homes in a high-risk flood zone, and many Houston owners outside those zones buy it anyway. Check the flood zone and get a quote before you make an offer.
Can I take cash out of my Houston home?
Yes, within Texas home equity rules: total debt up to 80% of the home's value, a 12-day waiting period and fees capped at 2% of the loan. See the Texas page for details.
Is Nick Grisanti licensed to lend in Houston?
Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.
Texas

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Checked Oct 2026

Sources