C&T Mortgage, Inc

C&T Mortgage, Inc NMLS # 1231852
Any complaint against C&T Mortgage, Inc should be reported to:
https://www.sml.texas.g However there are many alternatives.
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When purchasing a home there are many home loan options that are available to you, not all are created equal and we want to help you find the one that will work best for you. Conventional loans are the most typical types, and you’ll find our rates being some of the most competitive around. Government guaranteed loans are some of those. If you’ve served or are serving in the military you could qualify for a VA loan which also lets you purchase a home for no money down, but there is no limitation on where you can purchase a home. Then there are jumbo loans for homes that are priced over $417,000. As you can see there are many home loan options, but we make it easy on you. Just use our online Purchase Assistant and we will get back to you with a custom rate quote to see which loan program would be best for you situation. We also specialize in the following Texas Mortgage Loans:
Home Equity Loans
Cash Out Home Loans
FHA Loans
USDA Loans
VA Loans
And Much, Much More! Although we are located in Cypress, Texas, we offer unparalleled mortgage and refinance service to clients throughout the entire State of Texas!

08/30/2026

Buying your first home should come with a therapist and a glossary. 😭🏡

I can’t offer therapy… but I can make the process feel a whole lot less overwhelming.


— C&T Mortgage, your go-to mortgage broker in Houston



Some things just make sense together. 😄A pre-approval does not choose the home for you. It makes the search clearer beca...
08/28/2026

Some things just make sense together. 😄

A pre-approval does not choose the home for you. It makes the search clearer because you begin with a price range, a payment conversation, and a financing path.

Which pairing would you add to the list?


— If we haven’t met yet, we are C&T Mortgage, your go-to mortgage broker in Texas


08/26/2026

A “your mortgage was transferred” letter can make a homeowner wonder whether the whole loan just changed.

The company collecting the payment may change. The loan terms do not automatically reset because a new servicer takes over.

When a mortgage servicer changes:

Read the transfer notice carefully
Confirm the effective date
Verify the new payment address through official channels
Update autopay only after confirming the information
Keep both the old and new notices
Save this for later.

Send it to someone who needs to see this.


— C&T Mortgage, your go-to mortgage broker in Texas


08/24/2026

Before buying a multi-unit property, review two separate numbers:

What rental income may be eligible for the mortgage file
What rent you personally feel safe using in the monthly budget

Do not build the plan around some social-media rent estimate that has not been reviewed.

Check the property type, occupancy, loan program, appraisal, and likely expenses first.

Send this to someone who needs to see this.


— If we haven’t met yet, we are C&T Mortgage, your go-to mortgage broker in Texas

08/23/2026

Mortgage clients hearing “just one more document” for the 17th time 😂

I know it feels like a lot. Every bank statement, pay stub, and oddly specific explanation helps keep your loan moving toward closing.

I promise I’m not asking for fun. I just really want to get you those keys.

And yes… I may need one more thing.


— C&T Mortgage, your go-to mortgage broker in Texas


08/21/2026

Teachers spend the school year planning for everyone else. Buying a home deserves that same kind of preparation.

A summer paycheck may look different because compensation can be spread across 9, 10, or 12 months.

That does not automatically tell the full story of your qualifying income.

Send this to an educator planning to buy.



— Jennifer No, your go-to mortgage broker in Houston

08/19/2026

For a cleaner earnest money paper trail:



Pay from an account that can be documented
Keep the receipt or transfer confirmation
Save the canceled check when applicable
Tell the mortgage professional before using funds from another person


Third-party funds may require additional documentation, so ask before the deadline forces a rushed decision.

Save this before submitting your deposit.

Send it to someone who needs to see this


— If we haven’t met yet, we are C&T Mortgage, your go-to mortgage broker in Texas



08/17/2026

Here is the fuller illustration:



30-year interest rate: 6.11%

Down payment: 3.5%

Annual FHA mortgage insurance: 0.55%

Closing costs and prepaids: estimated at 2%–5%



-> $350K HOME
Down payment: $12,250

Estimated cash to close: $19,250–$29,750

Monthly payment: about $2,080/month

(Includes principal, interest, and mortgage insurance)



-> $500K HOME
Down payment: $17,500

Estimated cash to close: $27,500–$42,500

Monthly payment: about $2,972/month

(Includes principal, interest, and mortgage insurance)



-> $700K HOME

Down payment: $24,500

Estimated cash to close: $38,500–$59,500

Monthly payment: about $4,161/month

(Includes principal, interest, and mortgage insurance)



Taxes, homeowners insurance, HOA, flood insurance, lender fees, points, and credits are not included in those monthly figures.

Rates and fees change daily. Get a local written Loan Estimate before using these numbers to choose a budget.


— If we haven’t met yet, we are C&T Mortgage, your go-to mortgage broker in Texas

08/16/2026

I can absolutely stop saying it.

Right after we know the budget, loan type, estimated cash to close, and whether the dream-house price is living in the same universe as the monthly payment. 😂

So… get pre-approved first.


— C&T Mortgage, your go-to mortgage broker in Texas


08/14/2026

No calculator. No spreadsheet. Pick with your gut first. 👀

Rates drop 1%
Seller pays closing costs
Credit score jumps to 800
First year of mortgage payments is covered
Which one are you choosing?

— C&T Mortgage, your go-to mortgage broker in Texas



Address

18739 Mueschke Road, Ste B
Cypress, TX
77433

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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