Houston · Se habla español
832-990-1966
Warens Financial Group
Pre-Approval
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Down PaymentConventional programs allow as little as 3% down for qualifying buyers.VA0% down options for eligible service members, veterans, and surviving spouses.FHAFlexible credit options reviewed against your full file.Se Habla EspañolEnglish and Spanish, start to finish.Down PaymentConventional programs allow as little as 3% down for qualifying buyers.VA0% down options for eligible service members, veterans, and surviving spouses.FHAFlexible credit options reviewed against your full file.Se Habla EspañolEnglish and Spanish, start to finish.
Houston mortgage guidance

Your dream home starts here.

Your dream home could be closer than you think. Get pre-approved in minutes, close in as little as 16 days, and become a homeowner with a team you can trust. Licensed in Texas, Florida, and Indiana, with investor financing available in 27+ states.

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A calmer way forward

Clarity before momentum.

The early mortgage conversation should make the path easier to see. It should not manufacture certainty where the file still needs review.

Begin with your story

Tell us what you are hoping to buy or refinance, what feels unclear, and where a straight answer from a loan officer would help most.

Organize the options

A loan officer reviews the knowns, names the open questions, and helps you understand which direction is worth exploring.

Move with a plan

When you are ready, the team keeps documents, decisions, and next steps visible so the process feels less fragmented.

See Every Step

The whole journey from credit check to keys, step by step.

Home-loan paths

Find the lane worth exploring.

Program names are a starting point, not a recommendation. A loan officer at Warens can help connect the details of your file to the options available at that time.

Traditional loans

The familiar paths for buying or refinancing a home you live in.

FHAConventionalVAJumbo
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Commercial

Financing for business property, mixed use, and land.

CommercialLand
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Investors

Qualify on cash flow and real-world documentation, built for portfolios.

DSCRBank StatementITIN
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Payment calculator

Run the numbers without the noise.

Enter your own assumptions, see the math update, and keep the result in its proper place: an estimate for a conversation, not a lending decision.

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Illustrative workspace

Numbers you enter.

No suggested rate. No stored inputs. Just clear arithmetic to bring into a real conversation.

Borrower experience

Trusted by Houston families.

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300+ Google reviews
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★★★★★

Plain language, room for questions, and a next step that matched what was actually known about our file.

Brittney G.
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★★★★★

A steady point of contact when timing, paperwork, and a growing household all needed attention at once.

Marcus T.
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★★★★★

Grounded review of the scenario, with assumptions labeled and the final decision left with us and the team.

Elena R.
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Real closings, real families.
Closing day · Houston
Buyers holding an oversized D.R. Horton key with their Warens Financial team on closing dayNew construction · HoustonBuyers holding a Sold sign on the porch of their new homeClosing day · HoustonA couple standing in the driveway of their new homeClosing day · HoustonBuyers holding an Alamo Title Happy Closing Day keyClosing day · HoustonA couple with balloons and a Sold key in front of their new homeClosing day · HoustonBuyers at a red carpet ribbon cutting outside their new homeKeys day · HoustonA family celebrating with a Sold key on their front porchFirst home · HoustonBuyers holding a Fidelity National Title key at the closing tableClosing day · HoustonA couple holding an Infinity Title congratulations keyClosing day · HoustonA buyer holding a Charter Title We Just Closed On Our Home frameClosing day · HoustonA couple holding a Frontier Title Welcome Home keyClosing day · HoustonA family with young children holding a Capital Title We Got The Keys signFirst home · Sugar LandTwo hands holding house keys in front of Welcome balloonsKeys day · HoustonBuyers signing their closing documents at the title companySigning day · HoustonBuyers celebrating with gold confetti in their empty living roomMove in day · HoustonA multigenerational family holding a Said Yes To The Address signClosing day · HoustonA family holding a Frontier Title Welcome Home key at the closing tableClosing day · HoustonA young family with their children at the Capital Title closing tableFirst home · Sugar LandA couple on a sofa holding a University Title Just Closed keyClosing day · HoustonBuyers holding a Select Title Just Closed key with their agentClosing day · HoustonA family holding a Fidelity National Title Closed sign with their loan officerClosing day · HoustonBuyers holding an oversized D.R. Horton key with their Warens Financial team on closing dayNew construction · HoustonBuyers holding a Sold sign on the porch of their new homeClosing day · HoustonA couple standing in the driveway of their new homeClosing day · HoustonBuyers holding an Alamo Title Happy Closing Day keyClosing day · HoustonA couple with balloons and a Sold key in front of their new homeClosing day · HoustonBuyers at a red carpet ribbon cutting outside their new homeKeys day · HoustonA family celebrating with a Sold key on their front porchFirst home · HoustonBuyers holding a Fidelity National Title key at the closing tableClosing day · HoustonA couple holding an Infinity Title congratulations keyClosing day · HoustonA buyer holding a Charter Title We Just Closed On Our Home frameClosing day · HoustonA couple holding a Frontier Title Welcome Home keyClosing day · HoustonA family with young children holding a Capital Title We Got The Keys signFirst home · Sugar LandTwo hands holding house keys in front of Welcome balloonsKeys day · HoustonBuyers signing their closing documents at the title companySigning day · HoustonBuyers celebrating with gold confetti in their empty living roomMove in day · HoustonA multigenerational family holding a Said Yes To The Address signClosing day · HoustonA family holding a Frontier Title Welcome Home key at the closing tableClosing day · HoustonA young family with their children at the Capital Title closing tableFirst home · Sugar LandA couple on a sofa holding a University Title Just Closed keyClosing day · HoustonBuyers holding a Select Title Just Closed key with their agentClosing day · HoustonA family holding a Fidelity National Title Closed sign with their loan officerClosing day · Houston
For realtors and referral partners

Your clients, handled like our own.

Straight answers early, steady updates to closing, and a deep lender bench for the files that need one. Licensed in Texas, Florida, and Indiana.

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Start the conversation

Begin in the language that feels natural.

Se habla español.

Call 832-990-1966 or begin online. Either way, the next step stays grounded in what is actually known about your file.

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