We are the experts in residential mortgages for Conforming, FHA, VA, Jumbo, and Super-Jumbo Mortgages for both purchasing and refinancing your home. We also provide the very best rates for Home-Equity Mortgages and Reverse Mortgages. Moreover, we understand how to structure your mortgage transaction to best benefit you financially. Our commercial mortgage division can meet most any commercial mortgage needs through our sources of capital from Insurance Companies, Pension Funds, Private Banks, and Hedge Funds.
These sources allow us to deliver the most competitive mortgage rates in the commercial mortgage marketplace. Whether you need a jumbo mortgage to purchase a home, a home-equity mortgage to send a child to college, a reverse mortgage to tap equity and stop all mortgage payments, or a commercial mortgage for your business, our goal is not only to meet but exceed your expectations.
In turn, we hope that your experience is such that you'll always come back to us and refer those you care about to us.
These sources allow us to deliver the most competitive mortgage rates in the commercial mortgage marketplace. Whether you need a jumbo mortgage to purchase a home, a home-equity mortgage to send a child to college, a reverse mortgage to tap equity and stop all mortgage payments, or a commercial mortgage for your business, our goal is not only to meet but exceed your expectations.
In turn, we hope that your experience is such that you'll always come back to us and refer those you care about to us.
Services
Flagstone Financial was founded in 2001 by Cary Michael Cox, who previously had started Vantage Capital Services and Houston Residential Properties.
Darren Smith, with his CPA and MBA in finance, was brought on as a partner in 2005 to run the commercial lending division.
We offer all mortgage types, though, due to our extensive financial backgrounds we specialize in jumbo & super-jumbo mortgages.
Our concierge lending approach means that every client no matter the size of the loan will receive the best personal service and attention to detail throughout the mortgage process.
Darren Smith, with his CPA and MBA in finance, was brought on as a partner in 2005 to run the commercial lending division.
We offer all mortgage types, though, due to our extensive financial backgrounds we specialize in jumbo & super-jumbo mortgages.
Our concierge lending approach means that every client no matter the size of the loan will receive the best personal service and attention to detail throughout the mortgage process.
Flagstone Financial does not advertise rates because we realize each client has a unique set of circumstances, needs, and credit profile.
There are many factors that determine your rate and we need to know them before quoting a rate specific to your situation.
We do however offer three options to get a quote tailored to your specific set of lending criteria and needs.
These options insure that you get the best and most accurate quote.
Call us at 713-458-3233 and we'll discuss with you personally your needs to find the best rate for you.
There are many factors that determine your rate and we need to know them before quoting a rate specific to your situation.
We do however offer three options to get a quote tailored to your specific set of lending criteria and needs.
These options insure that you get the best and most accurate quote.
Call us at 713-458-3233 and we'll discuss with you personally your needs to find the best rate for you.
Flagstone Financial does not advertise rates because we realize each client has a unique set of circumstances, needs, and credit profile.
We will be happy to quote you a mortgage loan interest rate after we fully understand your complete financial situation and you understand all of the mortgage loan programs that are available to you.
There are many variables that will affect your interest rate.
Whether You Want to Pay Property Taxes and Insurance With Monthly Payment or Pay Them Yourself.
At Flagstone Financial we understand the importance of interest rates to our borrowers.
We will be happy to quote you a mortgage loan interest rate after we fully understand your complete financial situation and you understand all of the mortgage loan programs that are available to you.
There are many variables that will affect your interest rate.
Whether You Want to Pay Property Taxes and Insurance With Monthly Payment or Pay Them Yourself.
At Flagstone Financial we understand the importance of interest rates to our borrowers.
There is an adage in business that applies when obtaining a mortgage for your home, "Nothing replaces experience."
At Flagstone our team brings over thirty-five years mortgage-financing experience to help you find not only the best mortgage rate, but the best mortgage product for your unique situation.
We are the experts in residential lending for conforming, jumbo, super-jumbo mortgages for both purchasing and refinancing your home.
We also provide the very best rates for home-equity loans.
Moreover, we understand how to structure your mortgage transaction to best benefit you financially.
At Flagstone our team brings over thirty-five years mortgage-financing experience to help you find not only the best mortgage rate, but the best mortgage product for your unique situation.
We are the experts in residential lending for conforming, jumbo, super-jumbo mortgages for both purchasing and refinancing your home.
We also provide the very best rates for home-equity loans.
Moreover, we understand how to structure your mortgage transaction to best benefit you financially.
The term "conforming" is most often used when speaking specifically about a mortgage amount; however, the terms "conforming" and "conventional" are frequently used interchangeably.
These are mortgages that meet the underwriting criteria and loan size that make them eligible for purchase by Fannie-Mae & Freddie-Mac.
The conforming loan limit for Texas is currently $424,100.
Loans above this amount are referred to non-conforming or jumbo mortgages.
Conforming mortgages allow you to put as little as five percent down when purchasing a home.
These are mortgages that meet the underwriting criteria and loan size that make them eligible for purchase by Fannie-Mae & Freddie-Mac.
The conforming loan limit for Texas is currently $424,100.
Loans above this amount are referred to non-conforming or jumbo mortgages.
Conforming mortgages allow you to put as little as five percent down when purchasing a home.
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