Business Details
28 Years
experience
Your Trusted Mortgage Partner in Houston, TX
Secure Mortgage Company has been a trusted presence in the mortgage industry since 1998, serving clients from our headquarters in Houston, Texas. With over 25 years of experience navigating market fluctuations, we have built a reputation for stability and reliability in home lending. Our expertise spans a wide range of loan products, including conventional mortgages, FHA loans, VA loans, jumbo financing, and specialized non-QM programs tailored to unique financial situations. We leverage access to wholesale lending rates and maintain flexible underwriting criteria to accommodate borrowers with diverse needs.Our team of 25+ dedicated loan officers provides personalized guidance throughout the mortgage process, combining the resources of a large organization with the attentive service of a family-owned business. We prioritize transparency, competitive pricing, and long-term client relationships, ensuring each borrower finds a mortgage solution aligned with their financial goals. Our licensed operations in Texas, Colorado, Florida, and Washington State allow us to serve a broad geographic clientele while maintaining local market expertise.
Services
Fixed-Rate Mortgages
Adjustable-Rate Mortgages
FHA Loans
VA Loans
Jumbo Financing
Refinance Options
Pre-Approval Process
Non-QM Loans
Investment Property Loans
Renovation Loans
Details
- Year established: 1998
Highlights and features
- We have 25+ years of experience navigating mortgage market fluctuations.
- We offer competitive rates through access to wholesale lending networks.
- Our flexible underwriting accommodates borrowers with unique financial situations.
- We provide specialized loan programs for low credit scores and alternative income.
- Our team delivers personalized service with direct access to loan officers.
Services
Fixed-Rate Mortgages
Fixed-rate mortgages provide consistent interest rates throughout the loan term, ensuring predictable monthly payments. Ideal for borrowers seeking long-term financial stability, these loans protect against market fluctuations. Our competitive rates and flexible terms cater to first-time buyers and seasoned homeowners alike.
FHA Loans
FHA loans offer accessible homeownership opportunities with low down payments and lenient credit requirements. Designed for borrowers with limited financial resources, these government-insured mortgages include specialized programs for first-time buyers. We guide clients through qualification and application processes to maximize benefits.
VA Loans
VA loans provide military veterans with zero-down-payment options and favorable terms. Backed by the Department of Veterans Affairs, these mortgages require no private mortgage insurance. Our team specializes in verifying eligibility and streamlining the approval process for qualified applicants.
Jumbo Financing
Jumbo mortgages finance high-value properties exceeding conventional loan limits. Tailored for luxury homebuyers, these loans accommodate unique underwriting criteria and tax considerations. We offer competitive rates and personalized terms for borrowers seeking premium real estate investments.
Non-QM Loans
Non-qualified mortgage loans serve borrowers who don't meet traditional lending standards. These programs accept alternative documentation and unique financial profiles, including self-employed individuals and investors. Our flexible underwriting ensures access to financing for unconventional but creditworthy applicants.
People
Manoj Bhatia
President
Manoj Bhatia, President of Secure Mortgage Company, brings 25+ years of real estate and mortgage expertise. A University of Houston graduate since 2002, he specializes in loan origination, regulatory compliance, and investor relations while leading strategic growth initiatives.
Tien Tran
Vice President
Tien Tran, Vice President, leverages 19 years of investment real estate experience. Her background in property management, commercial projects, and short-term rentals informs strategic residential financing solutions for diverse client portfolios.
Thomas Stubblefield
Loan Officer
Thomas Stubblefield specializes in conventional, FHA, VA, and jumbo loans. With extensive experience in residential programs, he provides tailored mortgage solutions for first-time buyers, investors, and military veterans across multiple states.
Robin Mattern
Loan Originator
Robin Mattern offers 20+ years of mortgage expertise in Houston. Focused on personalized service, she helps clients navigate financing options with meticulous attention to detail and customized financial strategies.
Questions
What mortgage loan types do you offer?
We provide fixed-rate, adjustable-rate, FHA, VA, jumbo, and non-QM loans, along with specialized programs for unique financial situations.
How does the pre-approval process work?
Our pre-approval evaluates your financial situation to determine loan eligibility, helping you understand budget limits and financing options before house hunting.
Can I refinance my existing mortgage?
Yes, we offer refinance options to help lower rates, switch loan types, consolidate debt, or access home equity based on your financial goals.
Are there down payment assistance programs available?
VA loans allow zero down payments for eligible veterans, while FHA loans require as little as 3.5% down for qualified borrowers.
What areas do you serve?
We operate in Texas, Colorado, Florida, and Washington State, providing localized expertise with nationwide lending capabilities.
