Talk To A Live Loan Officer Group 914 (888) 505-1718
Get Started

Nation Wide Lending:
Making Your Dreams A Reality

Buying or refinancing? We have you covered.
I want to Buy A House
I want to Refinance My House
si1 Icons-01 New Home Loans
si2 02_white Texas Mortgage Refinance Experts
si3 03_White Texas Conventional Home Loans
si4 04_White Texas FHA Loans
si5 05_White Texas VA Loans
si6 06_White Texas USDA Loans
si7 07_White New Home Loans
si8 08_White Texas Jumbo Loans

We Specialize In Home Loan Mortgages

  • Owner Occupied, Vacation Homes and Rental Property Purchases
  • Conventional Loans (30 Year, 15 Year, 10 Year Customized Term Options)
  • Government Loans (FHA, VA, USDA)

Refinance And Save Thousands In Interest!

  • Lower Your Monthly Payment
  • Pay Off Your Loan Faster
  • Cash Out Options To Pay Off Other High Interest Rate Debts
  • FHA Streamline and VA IRRL Options

We Specialize In Home Loan Mortgages

  • Primary, Vacation Homes And Rental Properties
  • As Low As 3% Down Payment
  • Minimum Credit Score 620
  • Low Or No Mortgage Insurance Options

Advantages of FHA Loans

  • Credit Scores As Low As 560
  • Down Payment Assistance Programs Available
  • First Time Homebuyers
  • 3.5% Minimum Down Payment

Advantages of VA Loans

  • 0% Down Payment Required
  • No Monthly Mortgage Insurance Required
  • Easier To Qualify With Lower Income
  • Low Rates, Low Fees!

Advantages of USDA Loans

  • 0% Down Payment
  • Low Mortgage Insurance
  • Closings Costs Assistance Available
  • Low Fixed Rates, Low Fees!

Assistance Available To You

  • Minimum Credit Score 620
  • Assistance Provided As A Grant (Never Has To Be Repayed)
  • Not Required To Be First Time Homebuyer
  • Get Up To 5% For Down Payment Or Closing Costs

Advantages of Jumbo Loan

  • Owner Occupied and Vacation Homes
  • As Low As 10% Down
  • Borrow More Money For High Cost Homes
  • Minimum Credit Score of 700

Mortgage Lenders That Are On Your Side

Buying a home can be stressful. We make things smoother, faster, and hassle-free.

So, we bring a personal touch to our service. Our local experts move quickly to help you close on time when you are buying your home. With access to the latest rates and best loan products, our loan officers work closely with you to tailor-make the mortgage that fits your life.

For refinances, we offer a wide range of refinance options and we’ll help you cash out or get a better team.

Most importantly, we make the process easy, and painless. We’re accessible – even at weird hours – to make sure your loan for your new home closes on time.

That’s why so many clients rate us as the best national mortgage company, for our outstanding service and expert help.


Customers Love Us. Latest Reviews

The communication and the people who helped me with everything I needed or any questions I had. Over all, great team

Travis D M   |   October 22nd, 2021

Very informative about the whole process. Thank you for working with the Homes for Heroes program!

Ricky M   |   October 19th, 2021

Kelli was AMAZING from beginning to end. She was so informative and explained every step to me. I appreciate how detailed she was. She was the BEST!!

Lanie M L   |   October 12th, 2021

It was great working with you. Good communication.

Sven S   |   September 30th, 2021

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.

Ryan Pietsch   |   November, 2020

I’ve worked with Reef multiple times and it’s always a great experience. He knows what he’s doing and puts his clients first. I’ve referred him to other friends and coworkers and they too have had great experiences with Reef and his team. If you’re needing any advice or help Reef is the one to go to!

Jesse Zavala   |   November, 2020

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!

Ken Olivier   |   October, 2020

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. Thank you to all!!

Alexander Campos   |   January, 2021

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!

Kiya Harris   |   November, 2020

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.

Dean Althauser   |   October, 2020

It’s simple.

Low Rates, Fast Closings

Whether you’re looking to get a home loan for a new home in Houston, Texas, or you need to refinance a home in Texas, our Texas mortgage company keep things real simple by getting you the lowest rates, and the fastest closings.

How we do this?

By building on our teams’ combined decades of experience, we know the ins and outs of mortgages across the US.

And saving money goes beyond the on-paper low rate. Sometimes, doing so won’t save you money, so we coach you on the best option for your life plans.

Your no-obligation and no-cost consultation is waiting for you.

Customers love our people

Call us today at (888) 505-1718

Reef Merhi

NMLS 878539 | Branch Manager | Sr. Loan Officer
View Bio

Scott Foster

NMLS 1591277 Operations Manager | Sr. Loan Officer
View Bio

Claudia Seybold

Executive Administrative Assistant | Coordinator
View Bio

Richard Haskell

NML 347730 | Sr. Loan Officer | Manager
View Bio

Joy McClellan

Sr. Loan Processor
View Bio

Nichole Walker

NMLS 2114509 | Loan Officer
View Bio

David Webber

Loan Officer
View Bio

"The team are super helpful,
and provide great service. Thank you!"

Join thousands of happy homebuyers today.

Nationwide Lending has built a reputation through fast closings, quick communication and low rates.

Purchase the home of your dreams, or refinance your loan with one of our friendly loan officers.


Learn More About Mortgages

Lorem Ipsum is simply dummy text of the printing and typesetting industry. Lorem Ipsum has been the industry’s standard dummy text ever since the 1500s

Prevent Frozen Pipes: Essential Tips to Safeguard Your Plumbing

January 15, 2024 | By Reef Merhi
Learn how to protect your home from frozen pipes and avoid costly plumbing repairs during the winter season.

Mortgage Rates Remain Stable at 2-Month Lows Ahead of December Data

November 28, 2023 | By Shoshana Simones
In the world of real estate and home buying, the month of November has been marked by an unusual and relatively prolonged period of stability in mortgage rates. Over the past week, these rates have...

Is It a Good Idea to Purchase a Home During the Holidays?

November 21, 2023 | By Shoshana Simones
For potential homebuyers in Texas, the idea of purchasing a home during the holiday season might seem unconventional. After all, this time of year is often associated with festivities, family...
Free Resources

The Definitive Home Buying Cost Worksheet

Buying your first home starts with a good budget! However, understanding all of the factors that go into the “true” cost of a home can be challenging without the right resource.


We deliver the promise of home. We are ready to help you.