Last updated October 2026
Katy is a growing part of the Houston area. If you are buying, refinancing, or investing in Katy, you need a loan officer who stays on top of things. I look at your full financial picture, not just your tax returns.
Tôi nói tiếng Việt. If you or someone in your family is more comfortable in Vietnamese, I can help. I work with you in your language from application through closing. Learn more about Vietnamese mortgage service.
Katy sits at the intersection of I-10 and the Grand Parkway. That puts it within commuting distance of Houston's Energy Corridor, Downtown, and the Westchase District. Katy ISD serves much of the area. Some Katy homes are in Lamar CISD or Royal ISD, so check the school zone for each address.
New construction is active here, and established master planned communities offer mature lots and finished amenities. Investors buy in Katy too.
I help buyers in Katy and nearby Fulshear. Here is a quick look at a few communities.
This master planned community opened in 1991. Most of it is served by Katy ISD. The Grand Parkway and the Westpark Tollway are close by. Homes range from townhomes to large single family homes.
This master planned community was built mostly from 1998 to 2008. It is served by Katy ISD. The Grand Parkway, the Westpark Tollway, and Interstate 10 are nearby. Most homes are one or two story brick homes.
This master planned community was first built in the early 2000s. It is served by Katy ISD. It sits near the Grand Parkway and the Westpark Tollway. Homes are set around a golf club.
This community is in Fulshear, just west of Katy. Johnson Development started building it in 2006. Some homes are in Katy ISD, and some are in Lamar CISD. FM 1093 and the Grand Parkway are nearby.
If you have an area in mind, tell me. I will help you plan your loan.
School zones can change. Check with the school district before you buy.
Here are the programs I work with most often in Katy.
The standard loan for borrowers with documented W-2 income and solid credit. Up to 97 percent loan to value for qualified buyers. No mortgage insurance at 80 percent loan to value or lower. Learn more about conventional loans.
Government-backed loan with flexible credit and down payment requirements. A common path for first-time buyers. Up to 96.5 percent loan to value for qualified borrowers. Learn more about FHA loans. See the FHA rules I check.
A loan for eligible veterans, active duty service members, and some surviving spouses. VA has its own down payment rules. There is no monthly mortgage insurance. Learn more about VA loans.
For loan amounts above conventional limits. Common in higher-end Katy neighborhoods like Cinco Ranch and Cross Creek Ranch.
If you are self-employed and your tax returns do not reflect your real income, this is built for you. We use 12 or 24 months of bank statements to qualify. No W-2s or tax transcripts required. Learn more about bank statement loans. See bank statement loans in Katy.
Qualify based on the rental income of the property, not your personal income. Built for investors who want to keep adding rentals in Katy. Learn more about DSCR loans. See DSCR loans in Katy.
Not every borrower fits a conventional box. Non-QM loans cover recent credit events, non-traditional income sources, complex financial profiles, and more. If you have been told no elsewhere, this is worth a conversation. Learn more about non-QM loans.
Loan approval is subject to credit, income, property, and program guidelines. Rates and terms vary. Contact me for a full review of your situation.
Here is what the process looks like when you work with me.
It depends on the loan program. Conventional loans can go up to 97 percent loan to value for qualified buyers. FHA loans can go up to 96.5 percent loan to value. VA has its own down payment rules for eligible veterans. If you are self-employed or investing, bank statement and DSCR programs have their own loan to value limits. I can tell you what applies to your specific situation.
Yes. Many self-employed borrowers in Katy use bank statement loans, which qualify you based on deposits rather than tax returns. If your business writes off a lot of expenses, your tax returns may show lower income than you actually earn. Bank statement loans can help with that. See our self-employed mortgage programs for details.
DSCR loans are built for this. The loan qualifies based on the property's expected rental income, not your personal income or employment. It is built for investors who want to keep adding rentals.
Closing time depends on your loan, the appraisal, and how fast papers come in. I will give you a clear timeline when we review your application.
Often, yes. A denial from one lender does not mean you cannot get financing. Non-QM programs exist specifically for borrowers who do not fit standard qualification criteria. Learn about your options after a mortgage denial. Or tell me what happened, and I will tell you what options exist.
Your tax bill depends on your exact address. Katy spans three counties, Harris, Fort Bend, and Waller. Your bill adds up every local tax at that address. That can include the county, the city, your school district, and a MUD. Katy homes can fall in Katy ISD, Lamar CISD, or Royal ISD. A MUD is a municipal utility district. It is a local district that can charge property tax to pay for water and sewer lines. Many newer neighborhoods have one. Look up the address on that county's appraisal district website before you make an offer. I estimate your escrow on the full tax bill for that address.
Many Katy builders offer incentives. Common ones are a credit toward your closing costs, a rate buydown, upgrades, or a lower price. Some incentives only apply if you use the builder's lender, and offers change often. Ask the builder in writing which incentives you keep with any lender. Then send me the incentive sheet and the Loan Estimate from the builder's lender. I will price the same home and show you both offers side by side.
Prices change often and vary a lot by area, home type, and school district. New homes in master planned communities like Cross Creek Ranch and Elyson often cost more than older resale homes. For current numbers, ask your agent for recent sales on the street you like.
“Brandon Duy Tâm Huynh was very easy to work with because he answered my questions in a way that was easy for a first time home owner to grasp. He would explain things to me in great detail, and was very patient. He also responded to emails and texts very quickly! Overall, working with Brandon Duy Tâm Huynh was a great experience and I will certainly refer him to any of my friends and family!”
“Brandon was incredibly knowledgeable, patient, and always available throughout the entire process. He took the time to answer all my questions, made everything easy to understand, and ensured I felt confident every step of the way. Highly recommend working with him!”
Call me at 832-997-1527 or fill out the form below, and I will get back to you.