Loan Options
A Loan for Every Need
With friendly experts who have your best interest at heart, Crystal Clear Mortgage makes home financing easy from start to home.
Talk with one of our 7 licensed loan officers in Montgomery. (936) 447-5626Meet the team
Since 2008
Helping Texas homeowners
Montgomery
Our office on Hwy 105 West
7 loan officers
Each licensed in Texas
NMLS 270528
Look us up any time
Types of loans we offer
Because there are so many kinds of borrowers, there are many kinds of loans. Most fall into three groups: purchase loans, refinance loans and cash-out refinance loans. The right one depends on your situation, and our loan officers help you sort it out.
Home Purchase
Buying your first home or your next one. We help from pre-approval to the closing table.
Home purchase loans: Home PurchaseHome Refinance
Trade the loan you have for one that fits your life today. No move necessary.
Refinancing: Home RefinanceCash-Out Refinance
Replace your mortgage with a larger one and take the difference as cash, within the limits Texas sets for homesteads.
Refinance vs. cash-out: Cash-Out RefinanceHome Equity Line (HELOC)
Borrow against the equity in your home as you need it while your first mortgage stays in place.
HELOC details: Home Equity Line (HELOC)VA Home Loans
A home loan backed by the Department of Veterans Affairs for eligible veterans, service members and some surviving spouses.
VA home loans: VA Home LoansFHA Loans
Loans insured by the Federal Housing Administration. They may suit buyers who are still building savings or credit.
When an FHA loan fits: FHA LoansConventional Loans
Loans that are not backed by a government agency, with fixed and adjustable versions.
Conventional loans: Conventional LoansUSDA Loans
Home loans backed by the U.S. Department of Agriculture for eligible buyers in eligible rural and suburban areas, within the program’s income limits.
Ask about USDA loans: USDA LoansJumbo Loans
For loan amounts above the conforming limit Fannie Mae and Freddie Mac set each year, when the home you want costs more.
Ask about jumbo loans: Jumbo LoansReverse Mortgages
For homeowners 62 and older: turn part of your home’s equity into cash while you keep living in the home, subject to program rules.
How reverse mortgages work: Reverse MortgagesFixed and Adjustable Rates
A fixed rate stays the same for the life of the loan. An adjustable rate can change after an opening period.
Compare loan types: Fixed and Adjustable Rates
What decides the right loan for you
Your goals
We can narrow your options quickly once we know what you hope to do. A first home, a forever home, a lower rate or cash for something that matters: we match you to a loan built for it.
Your budget
Every borrower is different. We look at your monthly budget, what you can put down and whether you qualify for special homebuyer programs, then walk you through what fits.
Your credit history
We think everyone deserves to feel at home, and we work with borrowers with all kinds of credit. We help you find the loan you can qualify for and explain what would help.
Not sure where to start? Request a quote, try the mortgage calculators, or read up in the Knowledge Center.
Run your numbers
A quick monthly principal and interest estimate. Change any number and it updates as you type.
Type the rate you were quoted or want to test.
Estimated principal and interest
Enter a rate
An estimate from your own numbers, not a quote or a commitment to lend. Taxes, insurance and any mortgage insurance add to it.
See the full payment, with taxes and insuranceReady when you are
Start your application online, or call the office and talk it through with a loan officer first.
Rather write? Send us a note and we will get back to you.