A Different Purchase Price
Ask us to show the mortgage at the price you are considering. See how a price change affects the amount borrowed, payment, and cash needed. Use those numbers when discussing an offer with your agent.
Richmond Home Loans and Refinance
Mortgage Broker in Richmond, TX
Buying or refinancing in Richmond starts with a mortgage that fits your budget and goals. We compare wholesale lenders and help you understand your loan options, monthly payment, and closing costs so you can move forward with confidence.
Work directly with Chad Holte, NMLS #198303, a Certified Mortgage Advisor and Managing Broker of Dylken Home Loans, for straightforward guidance backed by 25+ years of mortgage experience.
Explore Richmond Mortgage Rates
Explore purchase and refinance pricing. Adjust your loan amount, down payment, and loan type, then compare rates alongside points and upfront costs.
Richmond Mortgage Rates
Rates updated throughout each business day.
No credit check required.
Understand Your Options Before You Make an Offer.
You may know which Richmond home you want before you know how you want to finance it. We can show you how a few specific choices affect the loan, the payment, and the money you bring to closing.
A Different Down Payment
Putting more down reduces the loan balance, but leaves less money in savings. Compare the payment, any mortgage insurance, and funds remaining after closing before deciding how much cash to use.
A Lower Rate With Points
Paying discount points adds an upfront cost in exchange for a lower rate. Compare the cost with the monthly savings and how long you expect to keep the mortgage. The lowest rate may require more cash than you want to spend.
Find the Home Loan That Fits Your Purchase
Your first home, your next home, and a higher loan amount can call for different financing. Start with the programs that fit your qualifications, then compare the actual costs.
Conventional Loans
A flexible option for first time and repeat buyers, with down payments as low as 3% for eligible borrowers. Strong credit can help make conventional financing attractive. A down payment below 20% typically requires private mortgage insurance.
Conventional Loans →FHA Loans
FHA financing may be a good fit if your credit history makes conventional financing harder to qualify for. Eligible buyers can put as little as 3.5% down. Upfront and ongoing mortgage insurance should be included when comparing the total cost.
FHA Loans →VA Loans
Eligible veterans, service members, and surviving spouses can use their VA benefit to buy a home, often without a down payment and with no monthly mortgage insurance. A VA funding fee may apply unless you qualify for an exemption.
VA Purchase Loans →Jumbo Loans
Financing for buyers who need to borrow more than the local conforming loan limit. Requirements vary by lender, making it especially useful to compare options. Your credit, down payment, and savings remaining after closing help determine which programs may fit.
Jumbo Loans →A closer look at the location
Shopping in Richmond? Make Sure You Are Comparing the Same Area.
A home search for Richmond can include the city and surrounding communities with Richmond mailing addresses. A city market report, a ZIP code search, and a neighborhood comparison can describe different groups of homes.
Whether you are considering Harvest Green, Aliana, or another Richmond area neighborhood, compare similar properties and verify the address. The area’s median sale price does not tell you what an individual home is worth or which mortgage fits it.
Explore Richmond’s official maps →Richmond Housing Market Snapshot
Redfin’s Richmond market area · All home types · Three months ending September 2026
$305,764Median sale price
74 daysMedian days on market
$133Median sale price per sq ft
Source: Redfin’s Richmond housing market report. Reviewed November 5, 2026. These figures describe the source’s market area and reporting period, not every home with a Richmond mailing address. They do not predict a property’s value or selling timeline.
Four Details to Confirm Before Choosing the Home
The financing comparison becomes more useful when the property details are accurate. These checks help replace broad assumptions with information about the home you want.
Taxes and District Charges
Look up the property’s taxing entities and any applicable MUD taxes or other assessments. Ask which value and exemptions were used in the payment estimate. A seller’s current tax bill may not reflect your future bill.
Find the Fort Bend property record →Association Documents and Dues
Confirm the dues, transfer charges, and any known special assessments. Read the association documents for the home you are considering, including restrictions that could affect your plans. Keep these charges separate from property taxes.
Schools by Address
Confirm the school district, assigned campuses, and applicable school year using the property’s address. A Richmond mailing address or nearby school is not enough to establish attendance eligibility.
Fort Bend ISD school lookup → Lamar CISD enrollment resources →Insurance for the Actual Home
Request a quote for the specific property, including appropriate flood coverage information. Ask about deductibles and exclusions. A similar purchase price does not mean two homes will have the same insurance expense.
FEMA Flood Map Service Center →Guidance from search to closing
One Conversation. More Mortgage Options.
You do not have to figure out which lender fits your situation on your own. We compare options across our wholesale lender network and explain the differences in pricing, qualification requirements, and loan features.
You can see what each suitable option means for your payment and upfront costs, then decide which approach fits your plans.
Already Have a Mortgage Offer?
Bring a Loan Estimate or builder financing offer into the conversation. We compare the same loan assumptions where practical and explain what changes the actual borrowing cost.
A lower advertised rate may come with higher upfront costs. Another loan may require less cash at closing but have a higher payment. We explain those differences so you can choose with a clear understanding of the cost.
Talk With UsStaying in Richmond? See Whether Your Mortgage Still Fits.
Start with what you want to change: the payment, the payoff timeline, or access to equity for a specific purpose. Compare a proposed mortgage with the one you already have.
Compare a Different Rate or Repayment Term
Review the proposed payment, closing costs, remaining balance, and repayment length. For monthly savings, estimate how long it takes to recover the costs. Starting a longer term may lower the payment while increasing interest paid over time.
Explore Rate and Term RefinanceEvaluate Funds for a Specific Goal
An eligible cash out refinance replaces your mortgage with a new loan and can provide funds from available equity. Compare net proceeds with what you need, and review the payment on the full new balance. Texas property and program requirements apply.
Explore Cash Out RefinanceKeeping Your Current Mortgage Is Part of the Comparison
A new loan needs to justify the cost of replacing the old one. Consider how long you expect to keep it and whether another approach could meet your goal. If taxes or insurance increased your payment, evaluate those expenses separately; refinancing does not remove them.
What real clients are saying
5.0
99 Google & Zillow Reviews
Google
Chad did a great job helping navigate through options. The fastest close we’ve ever had.
Google
This is our second time working with CHAD, his service is excellent. His attention to detail and caring for his customer is outstanding.
Google
I’ve been working with Chad for over 15 years on both new purchases and multiple refinances, and in all kinds of market conditions. I confidently refer friends and family to Chad at every opportunity. It’s fantastic to know that you’re always going to end up with extremely competitive rates, and the best possible service from beginning to end. Amazing work Chad and team!
13 days
Average Closing Time
Individual loan timelines vary.99
★★★★★Five Star Reviews
25+
Years of Mortgage Experience
Chad Holte, Managing BrokerRichmond Mortgage Questions, Answered
How do I compare mortgage options before making an offer?
Start with the target home price, available down payment, and a monthly payment you are comfortable with. We can compare suitable programs and estimates before you choose an offer price with your agent. Once you identify a property, update the estimates with its taxes, insurance, and association charges.
Should I pay points to get a lower mortgage rate?
It depends on the upfront cost, the payment savings, and how long you keep the mortgage. Ask to compare pricing with and without discount points using the same loan assumptions. Calculate how long the savings take to recover the added cost, rather than choosing on the rate alone.
How much down payment should I plan for?
The minimum depends on the program and your eligibility. Your preferred amount also depends on the payment and savings you want after closing. Compare a few suitable down payment amounts, including any mortgage insurance. Keep closing costs separate from the down payment when planning your available funds.
Can I compare your financing with a builder’s lender?
Yes. Share the written financing offer and the conditions attached to any incentive. We can compare suitable loan pricing and costs. Review purchase terms with your agent or adviser, and confirm the closing timeline before changing lenders if you are already under contract.
Does the home’s price mean I need a jumbo loan?
For conventional financing, compare the amount you will borrow after the down payment with the applicable conforming loan limit. The purchase price alone does not determine that. Your qualifications and the property also affect eligibility. We can compare conforming and jumbo options when appropriate.
What information should I have available if I am already under contract?
Have the signed purchase contract, financing and closing deadlines, property address, and any existing mortgage offer available. Tell us about your planned down payment and how you are paid, including business or variable income. We will explain which supporting documents are needed and review the remaining timeline.
When might refinancing a Richmond home make sense?
Consider it when a new mortgage could support a clear goal after accounting for closing costs and repayment length. Compare the existing and proposed loans over the time you expect to keep them. A lower payment alone does not establish that the new loan costs less overall.
Local Guides
Richmond Home Buying Resources
Local guides and answers for buying and owning a home in Richmond.
Statewide Guides
Helpful Texas Home Buying Resources
Statewide guides that apply across every Texas market, Richmond included.
Your next step
Make Your Next Richmond Mortgage Decision With Confidence.
Buying a home or reviewing the one you own? Tell us what you want to accomplish. We will help you understand the options and choose your next step.