Mortgage Broker
in Katy, TX
Independent mortgage guidance for Katy buyers and homeowners navigating Katy ISD schools, three-county tax lines, MUD districts, and Texas refi rules, without getting blindsided by escrow surprises in year two.
A suburb built on schools
and serious infrastructure spend.
The official City of Katy has about 27,741 residents as of the July 1, 2024 Census estimate, with projections from World Population Review putting it above 30,000 residents by 2026. In practice, “Greater Katy” extends well beyond the incorporated limits into unincorporated Harris, Fort Bend, and Waller Counties, one of the Houston area's best-known family corridors anchored by Katy ISD.
Redfin reports a median sale price of $352,813 for Katy over the three months ending July 2026, up 2.3 percent in sale price year over year, with homes selling in roughly 40 days, about 10 days slower than a year earlier, and the median sale closing at 97.0 percent of list price. Within that, Zillow's June 2026 ZIP-level data puts 77494 closer to $484,000 while 77449 is nearer $266,000, which is why two homes “in Katy” can feel very different on price and taxes. The three-county patchwork means tax rates, MUD districts, and appraisal rules shift subdivision by subdivision, making tax certificates and county lines a core part of the mortgage conversation.
“Katy isn't just a cheaper Houston ZIP code; it's a three-county puzzle of tax rates, MUDs, and school zones that rewards buyers who verify the details before they fall in love with a house.”
Common loan scenarios in Katy
Katy buyers often have strong opinions about schools, tax rates, and homestead caps. Our job is to make sure the loan structure and escrow plan match the neighborhood you actually choose.
First-time buyers looking at $300K–$400K homes in Greater Katy need clarity on how combined county + MUD rates translate into real monthly payments. We model PITI across several subdivisions before you write that first offer.
Households moving into higher-priced pockets like 77494 see jumps not only in price but also in tax rates and insurance. We run side-by-side comparisons so your move-up feels like a step forward, not a stretch.
Because the official city spans three counties and much of “Katy” is outside city limits, buyers can get lost in the county maps. We confirm which county and appraisal district you're in, then align pre-approval with that reality.
If your escrow jumped after your first full tax year, you're not alone. We help unpack what happened, then explore whether a refinance or simple budget recalibration is the right next step.
Texas Section 50(a)(6) cash-out rules cap total loans at 80 percent of your home's value and add specific timing requirements. We structure refis to respect those rules and still meet your goals.
Investors buying in Katy care as much about tax load and MUD trajectories as they do about rent. We build those assumptions into the numbers so cash-flow projections are honest.
Boutique service.
Real lender access.
We are an independent mortgage broker, not a bank. That means we shop your loan across a network of wholesale lenders to find the best fit for your situation: rate, program, and timeline.
We work for you, not a bank. Your loan is shopped across our full wholesale lender network.
We explain every option before you commit. No pressure, no quotas, no upselling.
13-day average closing time. Speed matters whether you are competing on an offer or refinancing on a deadline.
A consistent track record across purchase, refinance, and VA transactions.
Why Katy feels like a region
doubling down, not slowing down.
The $400 million Texas Heritage Marketplace opened its first anchors in September 2026, a major Grand Parkway widening is on the books, and a 1.1 million-square-foot business park broke ground in July. Katy's long-term story is still about growth, with infrastructure and jobs to match.
Texas Heritage Marketplace, the $400 million, 165-acre mixed-use project at I-10 and Texas Heritage Parkway, moved from construction to reality in 2026: Lowe's opened in early September, Target set an October 11 opening date, and the city accepted the project's infrastructure in August. Anchors like Academy Sports and EoS Fitness plus the 5-acre Heritage Grove green space signal lasting retail and employment investment just west of Katy.
TxDOT is set to begin a roughly $157 million expansion of SH 99 (Grand Parkway) between I-10 and US 290, widening about 15.2 miles from two lanes to three in each direction plus adding shoulders and sound barriers, with completion targeted around the end of 2030. Less congestion on the Grand Parkway improves connectivity for Katy-area homeowners and makes western suburbs more attractive for commuters.
The 1.1 million-square-foot Katy Prairie Business Park broke ground in July 2026, adding industrial and employment space to the Katy area's west side. Alongside retail growth like the Costco under construction at NewQuest's Grand Mason development on the Grand Parkway, it deepens the local job and services base so fewer households have to commute into Houston for work or errands.
“Katy continues to invest in the things that matter long-term: retail, roads, and hospitals, not just rooftops.”
Questions Katy buyers actually ask
What is a MUD tax and why does my Katy home have one?+
A Municipal Utility District (MUD) is a special-purpose entity that financed water, sewer, and drainage infrastructure in your neighborhood by issuing bonds. Homeowners repay a share of those bonds through an annual MUD tax billed alongside regular property taxes. As the bonds are paid down, MUD tax rates can decline over time, but early-years bills can feel high. Understanding the MUD rate before you close keeps your escrow estimates honest.
How do property taxes and MUD taxes together affect my payment and qualification?+
In Greater Katy, base county taxes and MUD taxes are billed separately but both flow into your escrow. Combined effective rates can land from around 2 percent to more than 3 percent of assessed value depending on your specific district. On a $353,000 home, that can mean anything from roughly $7,100 to over $10,600 per year in property-related taxes, which materially changes your monthly PITI and the income your lender needs to see. We always pull a current tax certificate for the address before finalizing numbers.
Which county is my Katy home actually in, and does that affect my mortgage?+
The City of Katy's limits span Harris, Fort Bend, and Waller Counties, and much of what locals call “Greater Katy” sits in unincorporated Harris or Fort Bend. From a mortgage standpoint, the county determines which appraisal district values your home, who issues your tax bill, and which MUD or special districts apply; it doesn't change your base loan eligibility or rate. Confirming the correct county early prevents last-minute title and disclosure surprises.
Why did my escrow payment jump in year two after buying in Katy?+
When a home changes hands, the appraisal district can reset the assessed value closer to the purchase price and remove the previous owner's capped homestead benefit. Your first full tax year may reflect that higher value, leading to an escrow shortage and payment increase in year two. Filing your homestead exemption promptly helps cap future increases, but we still encourage budgeting for a possible year-two adjustment.
When does refinancing my Katy home actually make financial sense?+
A rate-and-term refinance simply replaces your existing loan to change the rate or term; a Texas cash-out refinanceis governed by Section 50(a)(6) rules that cap total loans at 80 percent of your home's value and require specific disclosures and a 12-day waiting period. Whether any refi is worth it comes down to a break-even analysis (closing costs divided by monthly savings) and how long you plan to stay. We walk through both the math and the Texas-specific rules before you commit.
Katy Home Buying Resources
Local guides and answers for buying and owning a home in Katy.
Helpful Texas Home Buying Resources
Statewide guides that apply across every Texas market, Katy included.
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Your Katy
mortgage, handled.
Dylken Home Loans works with buyers and homeowners across Harris, Fort Bend, and Waller Counties every day. Share your plans and we'll help you find a loan structure that fits Katy's tax landscape, school priorities, and long-term goals.