Business Details
Your Trusted Texas Mortgage Partner
Texas United Mortgage has established itself as a premier mortgage brokerage firm serving Texas homeowners and investors. With decades of combined experience, our team specializes in conventional, FHA, VA, USDA, and jumbo loan programs tailored to meet diverse financial needs. We pride ourselves on delivering personalized service through a transparent process that prioritizes client education and informed decision-making. Our seasoned professionals maintain deep local market knowledge while leveraging cutting-edge technology to streamline transactions. Backed by a proven track record of 1,122 customer reviews with a 4.9 rating, we guarantee competitive rates and fast closings. Our commitment to excellence extends beyond loan origination through comprehensive post-closing support and ongoing client relationships. As a Texas-based company, we understand regional housing market dynamics and regulatory requirements. Our NMLS-licensed team members bring specialized expertise in first-time homebuyer programs, down payment assistance, and complex financing scenarios. We maintain strict compliance with all federal and state lending regulations while upholding the highest ethical standards. Our operational philosophy centers on building long-term trust through consistent communication, financial transparency, and exceptional service delivery.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Down Payment Assistance
Cash-Out Refinance
First-Time Buyer Programs
Mortgage Rate Lock
Served areas
- Texas
Highlights and features
- Decades of local mortgage market expertise
- Personalized loan solutions for unique needs
- Guaranteed competitive interest rate matching
- Transparent, technology-driven transaction process
- Award-winning customer service with 1,122+ reviews
What people say
Fantastic service
Knowledgeable professionals
Smooth process
Competitive rates
Excellent communication
Services
Conventional Loans
Conventional loan programs offer flexible terms for primary residences, vacation homes, and investment properties. With down payments starting at 3% and credit score requirements beginning at 620, these loans provide low mortgage insurance options. Our experienced team helps clients navigate loan limits and term selections to find optimal financing solutions.
FHA Loans
FHA loan programs assist first-time homebuyers with lower credit score requirements starting at 560. These loans require only 3.5% down payment with access to down payment assistance programs. Our specialists guide clients through the unique qualification criteria and mortgage insurance requirements for these government-backed loans.
VA Loans
VA loan programs provide zero-down payment options for qualified veterans and active-duty personnel. These loans eliminate monthly mortgage insurance requirements with flexible qualification standards. Our team specializes in processing VA loans with expertise in entitlement verification and funding fee calculations.
USDA Loans
USDA loan programs offer zero-down payment options for properties in designated rural areas. These loans feature low fixed rates with closing cost assistance available. Our experts help clients determine eligibility based on property location and income requirements.
Jumbo Loans
Jumbo loan programs serve high-value property purchases exceeding conventional loan limits. With down payment options starting at 10% and credit score requirements of 700+, these loans accommodate luxury home financing needs. Our specialists handle complex documentation requirements for these premium loan products.
People
Reef Merhi
Branch Manager | Sr. Loan Officer
NMLS 878539 with 15+ years mortgage industry experience. Former educator turned mortgage expert, specializing in Texas market financing solutions. Leads team of loan professionals while maintaining active client relationships.
Scott Foster
Operations Manager | Sr. Loan Officer
NMLS 1591277 with 13 years Texas mortgage experience. Former tennis coach and real estate investor. Specializes in loan process optimization and client relationship management.
Nichole Walker
Loan Officer
NMLS 2114509 with expertise in FHA, conventional, and VA loan programs. Certified legal assistant background enhances documentation precision. Focuses on first-time homebuyer education and support.
Richard Haskell
Sr. Loan Officer | Manager
NMLS 347730 with extensive credit analysis and government loan expertise. Webster University finance graduate with 20+ years mortgage industry experience. Specializes in complex loan scenarios.
Joy McClellan
Sr. Loan Processor
26 years mortgage processing experience with expertise in FHA, VA, USDA, and conventional lending guidelines. Specializes in underwriting and down payment assistance programs with proven deadline adherence.
Questions
What mortgage loan types do you offer?
We offer conventional, FHA, VA, USDA, jumbo loans, and various refinance options including cash-out refinancing.
Do you have first-time homebuyer programs?
Yes, we specialize in first-time homebuyer assistance with down payment programs and low down payment options starting at 3.5%.
Can I get pre-approved without a credit check?
We offer initial consultations without credit checks, but formal pre-approval requires credit verification for accurate rate determination.
What areas do you service?
We serve all major Texas markets including Houston, Dallas, San Antonio, Austin, Fort Worth, and surrounding areas.
How do mortgage rates lock work?
We offer rate lock options to protect against market fluctuations during the loan processing period, typically 30-60 days.
What documents are needed for application?
Basic income verification, asset statements, and identification are required. Our team provides personalized document checklists.
Reviews (8)
Jeremy
Dec 07, 2020
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The entire experience was great felt that all info given was true . I personally felt comfortable through every step of the way knowing that they had my best interest.
Alexander Campos
Dec 07, 2020
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These guys worked exceptionally well. They stepped in when a different company couldn't close. They got our deal done in 14 days. I will recommend Reef to anyone I know looking to finance or refinance their house.
Dean Althauser
Dec 07, 2020
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Reef was just awesome. He explained everything he was doing and why he was doing it. Was patient while I shopped around and even helped explain some of the other quotes I got when they didn't want to spend the time to do it themselves.
Ken Olivier
Dec 07, 2020
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I have worked with Texas United Mortgage for several years! There staff is honest, hard working, and have never let me down. Always going the extra mile and doing everything they can to help their clients. My real estate business will continue to refer clients to TUM. Best in Texas!
Jesse Zavala
Dec 07, 2020
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Ive worked with Reef multiple times and its always a great experience. He knows what hes doing and puts his clients first. Ive referred him to other friends and coworkers and they too have had great experiences with Reef and his team. If youre needing any advice or help Reef is the one to go to!
Ryan Pietsch
Dec 07, 2020
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Reef was incredible. He was very professional and gladly explained all of my options to me and the pros and cons of each. I felt very comfortable with my decision and would highly recommend Reef because of his knowledge, professionalism, and genuine willingness to help.
Kiya Harris
Dec 07, 2020
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You guys are Awesome!!!! I really appreciate everything you have done to get me to closing in a short amount of time. Reef gave me great advice and was always available to answer any questions I had. The best team out there!
Felisita Campos
Dec 07, 2020
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Reef fixed all of Loan Depots wrongs, improved our loan rate, lowered our closing costs and did it all in an unbelievable amount of time! We are forever grateful to Reef and his entire team- and to the friend who recommended Reef. They are very efficient, professional, and a pleasure to work with! Highly recommend.