832-997-1527 [email protected]

Houston Mortgage Lender | Non-QM & DSCR Loan Specialist

Fast pre-approvals, competitive rates, and personalized service. Specializing in self-employed, investors, and first-time buyers.

Get Pre-Approved Call 832-997-1527
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5-Star Broker Reviews on Google
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Lending Partners
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Families Helped
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States Licensed

Serving Greater Houston

Brandon Huynh - Mortgage Loan Officer Houston
NMLS #2522494 Lock It Mortgage
English Tiếng Việt

Brandon Huynh

Mortgage Loan Originator

After graduating from the University of Houston with a degree in Management Information Systems, I found my calling in helping families navigate the path to homeownership.

I bring a tech-forward approach to an industry that often moves too slowly. Same-day pre-approvals. 24/7 availability. Clear communication at every step. Whether you are a first-time buyer, self-employed, or an investor, I find solutions when others say no.

Fluent in Vietnamese, I take pride in serving the Vietnamese community and making the mortgage process accessible in your preferred language. Your home is your future. Let me help you secure it.

Get Pre-Approved Call 832-997-1527
⭐ 5-Star on Zillow
✓ NMLS #2522494
🇺🇸 50 States
⚡ Same-Day Pre-Approval
🏠 Equal Housing Lender

Who I Work With

I Help People Like You

Whatever your situation, I will find the right loan for you.

🏠

First-Time Buyers

Step-by-step guidance through your first home purchase

💼

Self-Employed

Bank statement loans, no tax returns needed

📈

Investors

DSCR, portfolio, and investment property loans

🎖️

Veterans

VA loans, $0 down, no PMI

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Refinancers

Lower your rate or tap into your home equity

Loan Solutions

Mortgage Programs

Find the right loan for your situation

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Conventional

A popular choice for strong-credit buyers, offering competitive rates and down payments as low as 3%.

Learn More →
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FHA Loan

Government-backed financing with flexible credit requirements and low down payments for easier qualification.

Learn More → | Get Checklist →
🎖️

VA Loan

Exclusive to veterans and active-duty service members, with no down payment, no PMI, and low rates.

Learn More → | Get Checklist →
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Non-QM Loans

Bank statement, DSCR, investment property, and foreign national loans. No tax returns required.

View Programs → | Get Checklist →
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Jumbo Loan

Financing for higher-value homes exceeding conforming limits, ideal for well-qualified buyers.

Learn More →
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Refinance

Lower your rate, remove FHA mortgage insurance, or tap your equity. Free analysis in 10 minutes.

Learn More →
🏢

Commercial Loans

Financing for commercial properties, multi-unit buildings, and business real estate investments.

Mortgage Calculator

Estimate Your Monthly Payment

Get an instant estimate for traditional or non-QM loans. No credit check, no commitment.

✓ Traditional loans: Conventional, FHA, VA with standard income docs
✓ Non-QM loans: Bank statement, DSCR, asset depletion for self-employed
✓ Investors: Calculate DSCR ratio for rental properties
$
$
20% down
Estimated Monthly Payment
$2,468
/month
Principal & Int
$2,101
Taxes
$333
Insurance
$183
PMI/MIP
$0
Get Your Personalized Quote

Estimates for informational purposes only. Actual rates and payments may vary.

Client Reviews

What Clients Say

Perfect 5-star rating on Zillow. See why clients trust me with their biggest financial decision.

★★★★★

"Brandon was amazing, very hands on with every step. He made himself available for anything I needed. Explained all the whys and what to expect throughout the entire process."

BW
Bria Wilson
First-Time Buyer, Missouri City, TX
★★★★★

"Brandon is quick with all responses, very detail oriented, and extremely hardworking. He made our home purchase a very smooth transaction."

LN
Linh Nguyen
Closed Oct 2025, Magnolia, TX
★★★★★

"Can someone so young be effective at work? He blew away my anxiety. He speaks very little, but what he says is high quality and the work he does is very effective."

QT
Quyen Trinh
Self-Employed, Construction Loan
★★★★★

"Brandon was very easy to work with. He answered my questions in a way that was easy for a first time home owner to grasp. Very patient and explained things in great detail."

TH
Tunesia House
First-Time Buyer, Self-Employed
★★★★★

"Very fast responding, professional, and knowledgeable. He always treated me as a first priority and did his best to find the best and lowest rates. It was a pleasure."

DS
David Sims
First-Time Buyer, Missouri City, TX
★★★★★

"He went above and beyond to make sure our loan process goes smoothly. He treated us like family and was so helpful during the whole process."

TN
Truc Nguyen
First-Time Buyer, Pearland, TX

Real Closings, Real Results

Happy Homeowners

Happy homeowner at closing
Happy homeowner at closing
Happy homeowner at closing
Happy homeowner at closing
Happy homeowner at closing

Why Work With Me

Your Mortgage, My Priority

At Lock It Mortgage, we believe home financing should feel personal, not transactional. Every homebuyer's story is unique, and I am here to help write yours with clarity, confidence, and care.

📊

Competitive Rates

I compare options from 100+ top lenders to find you the best rate.

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Transparent Communication

I keep you informed at every step so there are no surprises.

🎯

Flexible Loan Options

I find the program that works best for your financial situation.

⚡

Simple & Efficient Process

I streamline each step, guiding you through with ease.

Common Questions

Frequently Asked Questions

Quick answers to help you get started

For most borrowers: recent pay stubs, W-2s from the last 2 years, bank statements, and a valid ID. Self-employed? I can work with 12-24 months of bank statements instead of tax returns. I will tell you exactly what is needed for your specific situation.

Most pre-approvals are ready the same day, often within a few hours. I move fast because I know in competitive markets, timing matters. Once I have your documents, I will get you an answer quickly.

Absolutely. This is one of my specialties. I offer bank statement loans that use your deposits instead of tax returns. If you have strong income but lots of write-offs, this program is perfect for you.

It depends on the loan program. FHA loans can go as low as 580. Bank statement loans typically need 620+. Conventional usually requires 620-640. Even if your score is not perfect, let us talk. I often find solutions for challenging credit situations.

Có! Tôi nói tiếng Việt. I am fluent in Vietnamese and happy to explain the entire loan process in your preferred language. Feel free to call or text me in Vietnamese anytime.

A bank can only offer their own products. As a broker, I shop your loan across 100+ lenders to find you the best rate and terms. One application, multiple options. Plus, I am available 24/7, not just during banker's hours.

Areas We Serve

Serving homebuyers across the Greater Houston area.

Katy, TX Sugar Land, TX The Woodlands, TX

Let's Talk

Ready to get started? Have questions? I am here. Reach out however works best for you.

📞
832-997-1527 Call or text anytime
✉️
[email protected] I respond fast
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Text Me Directly Quick questions welcome

Get Your Free Pre-Approval

Fill this out and I will reach out within 24 hours (usually much faster).

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NMLS #2522494 | Equal Housing Lender | Not a commitment to lend