Top Rated Mortgage Lender
We work to find the right loan for your dream home.
Matador Lending: More Choices, Better Rates, Tailored for You!
✔ Shop 50+ Lenders
Explore a wide network of lenders to find the best fit for your needs.
✔ Wide Range of Interest Rate Options
Competitive rates designed to help you save more.
✔ Fannie Mae & Freddie Mac Loans
Access reliable and conventional loan programs.
✔ Jumbo Loans
Flexible financing for high-value properties.
✔ Non-Traditional Loans
Customized options for unique financial situations.
Understanding the Different
Loan Types
Understanding the right loan options for you is key to making the best choice for your financing.
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Conventional
Conventional loans are available and guaranteed through private lenders, including banks, credit unions, mortgage lenders, or through two government-sponsored enterprises: Fannie Mae and Freddie Mac.
To qualify for a conventional loan, a borrower must complete an official mortgage application and all required documentation of their financial and credit history, including their current credit score. Most conventional home loans have a fixed mortgage rate, meaning that the rate will remain the same during the duration of the loan. Conventional loans have stricter lending requirements by banks and lenders because the federal government does not guarantee them.
Key Aspects:
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Down Payments as Low as 3%
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Fixed Mortgage Loans
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Competitive Rates
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Jumbo
A Jumbo Loan exceeds the limits set by the Federal Housing Finance Agency (FHFA). They are not backed by Fannie Mae or Freddie Mac and require stricter underwriting guidelines.
They are designed to finance luxury or investment properties or homes in highly competitive local real estate markets. Their strict guidelines include larger down payments and a tighter debt ratio.
Key Aspects:
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For Loans Larger than $510,400
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Fixed & Adjustable Rate options
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Great for homes $1 million+
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Streamlined process
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FHA
FHA loans are insured by the Federal Housing Administration and allows borrowers to purchase homes with down payments as low as 3.5%, debt-to-income ratio, and credit score guidelines are not as strict as conventional loans. They require mortgage insurance premium (MIP) to be paid through the life of loan and are strictly for a borrower's primary residence.
Key Aspects:
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3.5% minimum down payment for all property types
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Monthly mortgage insurance is required.
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Primary residence, 1-4 Units
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VA
VA Loans are issued by private lenders and backed by the United States Department of Veterans Affairs. They offer flexible underwriting and down payment guidelines and are designed to help U.S. veterans, active duty service members, and widowed military spouses purchase a home.
Key Aspects:
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Zero Down Payment Required
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No Monthly Mortgage Insurance
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Must pay a one-time funding fee at closing
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Homes must be VA-approved
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Serving our military community
Non-QM
Qualified Mortgages (QM) are regularly associated with most mortgages that are underwritten, including FHA, VA, Jumbo, Fannie, and Freddie Mac loans. Non-QM loans don’t meet the typical standards for qualified mortgages. They use non-traditional methods of income verification to help borrowers get approved for a home loan. Matador offers a variety of Non-QM loans for our borrowers who may not qualify for a traditional QM loan.
Key Aspects:
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Bank Statement Loans
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Foreign National Loans
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ITIN LoansAsset Based Loan
Now that you found the right home, we will help you with the right loan.
The right loan, for the right home.
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Hear from Homeowners Like You
Troy N.
"Matador is very detailed and responsive to requests. We were able to get financing within 7 days."
Mohamed A.
"Really amazing experience. Fast communication and always replies to emails within minutes. They explained everything very clearly.Job well done"
Gerald L.
"People here were very nice and easy to communicate with! Had no issues with them and mortgage closed on time!"
CONTACT US
(713) 366-4668
5718 Westheimer Rd. Suite 1000, Houston, TX 77057