Home Purchase Loans
Financing for your next home.
Houston home loans, with a local mortgage broker.
Buying or refinancing? Let’s discuss your options.
Request a consultation
First Step Mortgage · NMLS #1898998
Abey Abraham · Mortgage Broker · NMLS #1113702
Find your loan.
Refinance
Explore a new rate, term, or access to equity.
FHA Loans
Discuss FHA eligibility and down payment options.
VA Loans
For eligible veterans, service members, and surviving spouses.
Conventional Loans
Compare down payments, terms, and mortgage insurance.
Jumbo Loans
Financing for loan amounts above conforming limits.
A clear path forward.
- 01
Talk
Share your goals with a loan officer.
- 02
Apply
Prepare your application with their guidance.
- 03
Compare
Review rates, fees, and terms.
- 04
Close
Complete your lender’s final requirements.
People you can reach.
Estimate your payment.
Principal and interest only. Excludes taxes, insurance, and HOA fees.
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“We had a wonderful experience with Abey Abraham. Great customer support from the initial inquiry till closing, everything went well without a hitch. Highly recommended!!”
Your questions, answered.
Timing depends on your completed application, required documents, and lender review. A consultation request does not provide pre-approval. Ask your loan officer what to expect for your circumstances.
Credit requirements depend on the loan program, lender, and overall application. Discuss current eligibility requirements with a loan officer through the secure application process.
Down payment requirements and closing costs vary by program, lender, property, and eligibility. Ask a loan officer to explain the available options and the cash needed to close.
Refinancing can make sense if interest rates are lower than your current rate, if you want to switch loan types, or if you need to access equity. We offer a free rate check with no obligation to help you determine if refinancing is right for your situation.
Typically you'll need recent pay stubs, W-2s or tax returns from the last 2 years, bank statements, government-issued ID, and proof of any additional assets. We'll provide you with a personalized checklist when you apply. Do not send documents, Social Security numbers, or account details through this website's consultation form, email, or AI tools.
Pre-qualification is an informal estimate based on information you provide. Pre-approval is a more thorough process where we verify your income, assets, and credit to give you a conditional commitment. Pre-approval carries more weight with sellers and real estate agents.