Business Details
Your Trusted Mortgage Partner in Cypress, TX
C&T Mortgage has been dedicated to helping individuals achieve homeownership since Mark Hammond Jr. began his career in the mortgage industry. With over two decades of experience, we specialize in providing tailored mortgage solutions for Texas residents, including veterans, first-time homebuyers, and those seeking refinancing options. Our team is committed to transparency, offering a wide range of loan programs such as VA, FHA, USDA, Conventional, and Jumbo loans, alongside innovative online tools for convenience.Recognized with multiple awards, including the Better Business Bureau's Award of Excellence, we prioritize personalized service, weekly loan updates, and 24/7 accessibility to ensure a seamless lending process. Our expertise extends to complex scenarios like cash-out refinances and HARP 2.0 programs, supported by a reputation built on trust and customer satisfaction.
Services
VA Loans
FHA Loans
USDA Loans
Conventional Loans
Jumbo Loans
HARP Refinancing
Cash-Out Refinancing
Home Equity Loans
New Construction Loans
Adjustable Rate Mortgages
Highlights and features
- We offer 24/7 online mortgage tools and support for Texas homebuyers
- Our team provides personalized loan updates throughout the entire process
- Specialists in VA loans with over 20 years serving military veterans
- Award-winning service recognized by Living Magazine and BBB
- Experienced in handling complex scenarios like HARP refinances
Associations and certifications
- Better Business Bureau
What people say
Excellent communication
Smooth transaction process
Answered all questions
Competitive interest rates
Always available
Services
VA Loans
Specialized mortgage programs for military veterans with zero down payment options. Our VA loans offer competitive rates and flexible qualification requirements while honoring service members' sacrifices. We've helped hundreds of veterans achieve homeownership through streamlined processes and expert guidance.
FHA Loans
Low-down-payment mortgage solutions insured by the Federal Housing Administration. Designed for first-time homebuyers with lower credit scores, our FHA loans feature accessible qualification criteria and competitive interest rates while maintaining strict compliance with federal regulations.
Conventional Loans
Fixed and adjustable-rate mortgages without government insurance. We offer conventional loan options with various down payment requirements, including HomeReady and Home Possible programs, tailored for borrowers with strong credit profiles seeking flexible terms.
Refinancing Programs
Multiple refinancing options including FHA/VA/USDA Streamlines and Jumbo refinances. Our services help Texas homeowners reduce monthly payments, access home equity, or adjust loan terms through efficient processes that leverage current market conditions and equity positions.
New Construction Loans
Specialized financing for custom home building projects. We provide construction-to-permanent loan solutions with phased funding disbursements, helping clients transition seamlessly from construction financing to long-term mortgage terms while managing project-specific risks.
People
Mark Hammond Jr.
President
With over 20 years in mortgage lending, Mark Hammond Jr. has built a reputation as Texas' top loan advisor. Recognized by Lending Tree and Living Magazine, he specializes in complex loan scenarios while maintaining personal client relationships through weekly updates and 24/7 availability.
Questions
What are the benefits of VA loans?
VA loans offer zero down payment requirements, competitive interest rates, and lenient qualification standards for military veterans. We've helped hundreds of veterans access these benefits while navigating the unique aspects of VA financing.
How does the refinancing process work?
Our refinancing process begins with analyzing your current mortgage terms, then identifying optimal programs like FHA Streamline or HARP 2.0. We handle all documentation and coordinate with title companies to complete refinances in as little as 30 days.
What documents are needed for loan approval?
Typical requirements include two years of tax returns, 30 days of pay stubs, bank statements, and employment verification. Self-employed borrowers need additional documentation, which our team helps prepare efficiently.
Can I get pre-approved online?
Yes, our secure online portal allows pre-approval applications with instant status updates. Most pre-approvals complete within 24 hours, including weekends, with full support available through our chat system.
What credit score is required for conventional loans?
While minimum requirements vary, conventional loans typically need at least 620 FICO score. We help clients improve their credit profiles and explore alternative programs when scores fall below standard thresholds.
