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Realize Your Dream of Home Ownership

Welcome to FIRST STEP MORTGAGE, we're your Houston home loan experts dedicated to making sure your home purchase or refinance experience is top-notch.

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Abey Abraham

Abey Abraham

Broker
NMLS# 1113702

(832) 212-6693 Email Me

Explore Your Loan Options

Loan Options

Estimate Your Mortgage Payment

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What's Your Home Worth Today?

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Real Customer Experiences

Read Reviews

Meet Our Team

Abey

Abey Abraham

Mortgage Broker

832-212-6693

NMLS# 1113702


Renny

Renny Daniel

Loan Originator

469-679-2410

NMLS# 2052704


Binoy

Binoy Babu

Loan Originator

832-888-6368

NMLS# 2085367


  • I have done business with first step mortgage on several occasions and have been greatly satisfied every time. Abey Abraham is a true gem!!! He is very knowledgeable about market trends, explains the loan process very clearly and was able to discuss strategies for me to get the best possible loan package. I highly recommend… Nelson A - October 6, 2021
  • Thanks for the excellent service from the Firstmortgage team. Special thanks to Abey, whose excellent knowledge about the market and ability to predict the interest rating flows which I was very impressed with. This helped me to get the lowest interest rate from the fluctuating market. He was very patient with us and explained the… Aneesh Kuniyil - September 12, 2021
  • We had a wonderful experience with Abey abraham. Great customer support from the initial i query till closing, everything went well without a hitch. Highly recommended!! Tom Philip Thomas - June 1, 2020
  • First Step did a great job locking in the lowest rate possible. Abey explained all terms and disclosures and I was very impressed with how thorough and careful he was with the loan's timeline. I highly recommend this firm and hope to use them again in the future. Justin T - June 1, 2020
  • Excellent service from First Step Mortgage team right from Pre-Approval process all the way through closing. Special thanks to Abey for explaining the entire process and the breakdown on the final closing, and locking the interest rates right on time on the lowest it can ever be. Couldn't ask for more! Thank you guys! Truly… Bibin Manayil - June 1, 2020

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

$

5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

$

0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Houston? Now may be the right time to start saving money every month!

$
%
months
$
%
months
$

Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

$
$
$
$
$
%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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Contact Abey Abraham

Abey Abraham

7070 Knights Ct, Suite 402
Missouri City, Texas 77459
(832) 212-6693
NMLS# 1113702

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