Business Details
17 Years
experience
Your Trusted Mortgage Partner in Houston, TX
InterLinc Mortgage is a full-service mortgage company dedicated to making homeownership dreams a reality. Since our establishment in 2009, we have prioritized personalized service, leveraging our in-house origination, processing, underwriting, and closing capabilities to ensure seamless transactions. Our team of Loan Originators focuses on building lasting relationships with clients, offering tailored financial solutions for first-time buyers, veterans, self-employed individuals, and investors.With a mission to impact families across generations, we combine industry expertise with a commitment to community through the InterLinc Family Foundation. Our culture emphasizes excellence, integrity, and innovation, enabling us to adapt to market changes while maintaining a supportive work environment. Recognized for consistent growth, we reached $2.5B in volume in 2020 and remain a trusted partner for mortgage needs nationwide.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Renovation Loans
Cash-Out Refinance
Down Payment Assistance
Investment Loans
Condo Loans
Details
- Year established: 2009
Highlights and features
- We offer in-house origination, processing, underwriting, and closing for streamlined service.
- Our diverse loan programs cater to first-time buyers, veterans, and self-employed individuals.
- We prioritize community impact through the InterLinc Family Foundation's initiatives.
- Our team provides hands-on guidance from budgeting to loan approval.
- We guarantee timely closings with a focus on transparency and client satisfaction.
Services
Conventional Loans
Conventional loans follow Fannie Mae/Freddie Mac guidelines, offering competitive rates for borrowers with good credit. These loans allow down payments as low as 3% for first-time buyers and up to 20% for investment properties. No mortgage insurance is required for down payments over 20%, with terms up to $806,500.
FHA Loans
FHA loans provide flexible qualification for first-time buyers with low down payments. Backed by the government, these loans require a minimum 580 FICO score, allow gift funds, and offer purchase and rehab financing. Maximum loan limits vary by county, up to $524,225.
VA Loans
VA loans offer zero-down financing for veterans, active-duty members, and eligible spouses. These loans exclude monthly mortgage insurance, allow seller-paid repairs, and feature competitive rates. Borrowers must provide a Certificate of Eligibility, with a minimum 580 FICO score.
USDA Loans
USDA loans promote rural homeownership with 100% financing for low-to-moderate-income buyers. These loans require no down payment, allow closing cost financing, and have a 600 minimum FICO score. Properties must be in USDA-approved rural areas, with loan limits up to $806,500.
Jumbo Loans
Jumbo loans exceed conventional limits, starting at $806,501, for luxury or high-value properties. These loans require a 700 minimum FICO score, 85% maximum loan-to-value, and rigorous underwriting. Ideal for borrowers seeking financing up to $3,000,000 with strong financial profiles.
People
Gene F. Thompson III
President and CEO
Gene Thompson joined InterLinc in 2007, becoming CEO in 2021. He drives growth through leadership excellence and a focus on borrower experience. An avid outdoorsman, he balances strategic vision with family values.
James Durham
Senior Vice President
James Durham has over 20 years in mortgages, leading InterLinc's expansion since 2014. He mentors teams to exceed goals while enjoying outdoor activities and family time.
Erin Dee
Chief Operating Officer
Erin Dee brings two decades of mortgage expertise, holding advanced finance degrees. She excels in operations and compliance, balancing professional rigor with a passion for fitness and lifelong learning.
David Scheiderich
Chief Financial Officer
David Scheiderich oversees financial strategy at InterLinc, leveraging decades of mortgage banking experience. He focuses on profitability and homeownership dreams, enjoying family time, fishing, and golf.
Jason Baker
Executive Vice President of Capital Markets
Jason Baker leads capital markets with expertise in trading and investor relations. Holding an MBA, he manages pricing strategies and enjoys family adventures, skiing, and global travel.
Questions
Can I buy a home with less-than-perfect credit?
Yes, credit is one factor among many. Our Mortgage Originators can guide you through programs designed for limited credit profiles.
What components make up a mortgage payment?
Principal, interest, taxes, and insurance (PITI) typically form a mortgage payment, with possible additions like PMI.
How are mortgage rates determined?
Rates depend on your credit score, loan type, and economic conditions. Contact us for a personalized rate assessment.
What determines how much home I can afford?
Your financial profile, down payment, and market conditions influence affordability. Use our calculators or consult a loan officer.
What is PMI and when is it required?
PMI protects lenders against default and is required for conventional loans with less than 20% equity.
What's the difference between pre-qualification and pre-approval?
Pre-qualification is an initial estimate, while pre-approval involves full financial verification and credit checks for a definitive loan amount.
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