Cypress, TX · NMLS# 667008
Licensed in Texas with over 20 years in lending. I help Cypress and northwest Houston buyers and homeowners with purchase, refinance, VA, FHA, new construction, and self-employed loan options.
Questions first? Call (520) 495-8989
Applying online is not a commitment to lend or a guarantee of approval. Terms subject to credit approval and underwriting.
Loan programs
First-time and move-up buyers. Compare conventional, FHA, and VA options side by side.
Compare builder incentives with outside financing before you sign a purchase contract.
Zero down options for eligible veterans and active duty families.
Flexible credit guidelines and 3.5 percent minimum down payment.
Change your term, remove mortgage insurance, or tap equity when the numbers work.
Documentation options beyond traditional tax returns.
Learn more: first-time buyers · VA loans · FHA loans · down payment assistance · Texas DPA (TSAHC) · refinance · Non-QM and self-employed · client resources
Local know-how
Popular areas I help buyers with include Bridgeland, Towne Lake, Fairfield, Cypress Creek Lakes, Coles Crossing, and Blackhorse Ranch, plus established neighborhoods along the US 290 and Grand Parkway corridors.
Process
See the full timeline and document checklist in Client Resources, or run numbers with the mortgage calculator.
Greater Houston
I work with buyers across Greater Houston, including Cypress, Houston, Katy, Tomball, Jersey Village, and The Woodlands. See all Texas home loan options, or learn about Texas DPA (TSAHC). If you are comparing neighborhoods, we can size payments for each address before you write an offer.
Client reviews
Rated 4.98 out of 5 from 128 reviews on Experience.com.
“with Andy it was more like "this is how we are going to make it work."”
“Andy and his team were wonderfully! Communication was great and they were always willing to answer any questions or concerns I had. It can be stressful buying a new home but they made it as easy as possible! 10/10!”
“Andy and his team kept me fully informed through the loan process. When I had questions or concerns they were prompt to provide answers an additional information making the loan process much more simple. I highly recommend Andy and his team and Neighborhood Loans.”
FAQ
Yes. I am licensed in Texas, Arizona, and California through Neighborhood Loans. You can verify NMLS 667008 at nmlsconsumeraccess.org.
Yes. Many Cypress neighborhoods sit in a Municipal Utility District, or MUD, which adds to the property tax rate on top of county and school taxes. The total tax rate changes your monthly payment and your debt-to-income ratio, so I use the full rate for each address before you write an offer.
Yes. Master-planned communities in Cypress usually have an HOA. Dues count in your monthly payment and in your debt-to-income ratio. I include them from the start so your pre-approval matches the homes you are actually touring.
It depends on the address. If a home is in a FEMA special flood hazard area, flood insurance is required on most loans. Even outside those zones, it is worth getting a quote. I check the flood zone early so there are no surprises before closing.
Texas DPA through TSAHC may help qualified buyers, and In-House Down Payment Assistance can be an option in Texas as well. Programs change often and depend on income, the loan type, and the address. Ask me which options fit your scenario.
Yes. I work with veterans and active duty families across Cypress and Greater Houston. VA loans can offer zero down for eligible borrowers.
Yes. New construction is common in northwest Houston. I help you compare builder incentives against outside financing before you sign a purchase contract.
