Greg Mathieu loan officer


Get approved today by completing our fast online application for home loans, refinancing, construction loans, VA Loans, First Time Buyer loans, and much more.

Greg Mathieu: Loan Originator

NMLS# 2021911

281-250-4347 Direct

Military & Veteran Housing Certified


VA Loans for Texans

Why a VA Loan?

It’s simple… Lower Rates. Lower Payments. $0 Down.

Find out why thousands of people are choosing us to help them with their VA Home Loan Benefit.

Purchase with $0 Down

  • A VA mortgage is one of the only loan programs that still allows the borrower to finance 100% of the home’s value and purchase with $0 down.
  • Now more than ever banks are requiring large down payments for conventional loans. In many cases they require 10-20% down, putting home ownership out of reach for many prospective buyers.

Getting Qualified is Easier

The qualification guidelines are less stringent for VA mortgages.
  • Because the loan is backed by the government, banks have relaxed the often strict lending rules for VA loan applicants making them easier to obtain.
  • Less documentation is required than ever before.

USDA Loans for Texans

USDA Loan Programs offer incredible benefits to borrowers.

  • It’s not “just for farmers,” millions can now qualify
  • Offer better terms than an FHA or conventional loans
  • Lower Rates and $0 Down Financing
  • Can be used to buy a new home or refinance to a lower rate.

Who Qualifies for a USDA Mortgage?

USDA Loans used to be considered “farmers loans” but that is simply not the case anymore. Just about anyone looking to purchase a home outside a major metropolitan area can qualify for a USDA Loan.

Some of the eligibility standards that determine if you qualify for a USDA loan for your home include what county and zip code the home resides in, your current income and credit history, as well as the number of dependents you can claim. Because these guidelines are very specific, it is important to work with a company that has experience dealing with USDA government financing to help determine your eligibility.

Ready for more info on this? Call me at 281-250-4347.

FHA Loans for Texans

FHA Loans

The FHA 203k loan allows buyers the ability to finance major or minor upgrades on a new home without having to take out a separate short term or risky mortgage loans.

How many times have you viewed a property and wished you could replace the carpet or update the kitchen? Or worse case you find out there are foundation issues. With the 203k loan you may and finance the costs and custom design your dream home. This is also a great loan for seller’s wishing to market their home to potential buyers and a perfect solution for a buyer with limited disposable cash.

FHA Loan Details:

  • Allows repair/renovation costs can be rolled into the loan
  • Major items (such as foundation and roof work) ARE allowed
  • Low down payment (3.5%) and the seller can pay up to 6% towards closing costs
  • Only one closing – money is disbursed on a draw schedule after closing
  • Loan can go up to 110% of “after-improved value” from appraisal
  • Buyer can include optional renovations

First-time Home Buyer Loans for Texans

Special 1st Time Home Buyer Programs

  • Down Payment Assistance
  • Special Closing Cost Assistance Programs
  • State Bond Programs
  • First Time Home Buyer Grants
  • FHA, VA, and USDA Home Loans
  • HUD’s $100 Down Program Payment Loans
  • Special Teacher, Fire Fighter, and Police Programs
  • My Community Loans
  • New Construction Loans
  • Home Loans With Repairs

Top 3 First Time Home Buyer Tips

  • You don’t Have To Have Great Credit To Qualify
  • You are considered a first time home buyer if you haven’t owned a home in 3 years
  • Most Programs allow for co-signers

Want chat more about this? Call me at 281-250-4347.

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Looking to Refinance Your Mortgage?

When interest rates drop, refinancing may be the right choice for your financial situation. Consider the following advantages of refinancing to a lower interest rate.

Start Saving Money

  • Your loan’s monthly payment will decrease with a lower interest rate.
  • With a lower payment, you can use the extra funds for retirement savings, paying other debts, saving money for college, or other purposes.
  • You can roll your taxes and insurance into your loan.

Switch To A Different Loan Type

If you have an adjustable-rate (ARM) or a balloon mortgage, reduced interest rates may make a fixed-rate mortgage more desirable, especially if you want the stability of an interest rate that does not change over time.

Switch To A Shorter Term Loan

If you have a long time left on your mortgage, lower interest rates may make it possible to switch to a shorter-term mortgage.

  • Pay off your loan early
  • You can pay the principal balance down and build equity faster.
  • You may pay less interest over the life of the loan with a shorter term loan.

If you have a jumbo loan you may be able to refinance to a “blended jumbo” and save money right away!


NewCity Mortgage and their loan team have the experience, expertise, and loan programs that put a great loan experience at your fingertips. Whether you have excellent credit or spotted credit, a large or small down payment, we have the loan programs and banks to help you obtain financing almost every time!



Whether you have excellent credit or spotted credit, a huge down payment or very little, we have the loan programs and banks to help you obtain financing almost every time!