Kenny Garza

Loan Officer

NMLS #

1863606

I’m passionate about helping people achieve their homeownership goals with confidence and clarity. Whether you’re buying your first home, refinancing, or planning your next move, I’m here to guide you every step of the way. With a focus on honest communication and personalized service, I work hard to make the mortgage process smooth and stress-free. Let’s make your next chapter happen.

469.989.8858

kgarza@altahl.com

815 Hawthorne St Houston, TX 77006

Lending in:

Texas

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Loan Programs & Types.

These are just a few of the many mortgage options out there. The best one for you depends on your finances, credit, and homeownership goals. Let’s chat—we’ll walk you through your options and help you find the perfect loan for your dream home!

Conventional Loan

A conventional loan is a mortgage that is not insured or guaranteed by the federal government. It is backed by private lenders and typically follows the guidelines set by Fannie Mae and Freddie Mac. These loans come in fixed-rate or adjustable-rate options and typically require private mortgage insurance (PMI) if the down payment is less than 20%.

FHA Loan

An FHA loan is a government-backed mortgage designed for borrowers who may have lower credit scores or smaller down payments. It is insured by the Federal Housing Administration, which makes it easier for lenders to approve borrowers with credit scores as low as 500 (with a 10% down payment) or 580 (with a 3.5% down payment).

VA Loan

A VA loan is a mortgage loan available to eligible veterans, active-duty military personnel, and their families. It is guaranteed by the U.S. Department of Veterans Affairs, allowing lenders to offer zero down payment, no private mortgage insurance (PMI), and competitive interest rates.

USDA Loan

A USDA loan is a government-backed mortgage designed for low-to-moderate-income borrowers purchasing homes in rural and some suburban areas. The loan is issued by approved lenders and guaranteed by the U.S. Department of Agriculture, offering zero down payment and lower mortgage insurance rates.

Jumbo Loan

A jumbo loan is used for home purchases that exceed conforming loan limits, which are $726,200 in most areas or up to $1,089,300 in high-cost regions. These loans have stricter qualification requirements, including higher credit scores (typically 700+), larger down payments (10%-20%), and strong income verification.

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Kenny Garza

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