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The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.
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We are proud to help veterans with their loan needs. Thank you for serving our country!
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No matter what type of loan you need, we're with you every step of the way.
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We make Refinancing a breeze!
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Let us be the stepping stone to the home of your dreams.
Mark Hammond Jr. with C&T Mortgage Inc. located in Cypress, Texas is committed to helping you find the right mortgage product for your needs.
He understands that every borrower has a unique situation; therefore there are a variety of mortgages to meet each person's individual needs from Government to Conventional, Fixed Rate to Adjustable, and New Construction to Existing Home Loans.
"But that's just the beginning of my service; throughout the lending process I will provide you with weekly updates so you always know the status of your loan."
Mark has built a strong reputation as an outstanding home loan advisor over the last decade serving the needs of Texas real estate professionals, builders and individual home buyers throughout the State.
As a Texas Lender he is licensed in all aspects of mortgage lending including but not limited to Home Equity Loans and Home Equity Lines of Credit. He can also offer 2nd liens.
"We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools that enable you to make sound financial decisions."
And, now he has chosen to offer all of the exceptional mortgage services online. You not only have the ability to reach him on the weekend or in the evenings, there is also a chat session through this website. You can also be updated with the most recent rates, and even apply for your loan, at your convenience, online - 24 hours a day.
Houston TX VA Home Mortgage Loans
Welcome to the official site of the Texas Mortgage Guy - Mark Hammond. We are a full service mortgage company located in Cypress, TX. We specialize in VA Loans in Houston but handle all types including FHA, USDA and Conventional. We serve all of Texas including San Antonio, Cypress, Tomball, Spring, Houston, Austin, Dallas and Helotes. Whether you are buying a home or refinancing, we can help you realize your dream of home ownership, or help you save money by obtaining a new lower monthly payment. In terms of Purchase Loan Programs, we offer the following:
FHA | VA | USDA | Conventional | HomeReady | Home Possible | Jumbo
Refinancing? We can help you with that, too!
We offer a wide range of refinance options, designed to best meet the needs of local Texas borrowers. If you're looking for cash out, or to just get a better rate and term, we can assist you. We offer the following Refinancing Programs.
FHA Streamline | VA Streamline | USDA Streamline | Conventional | Harp | Jumbo
Contact Mark Hammond today to discuss your options, and find out which program will best suit your needs.
Latest from the Blog
Recent Articles
08
2025
What’s Changing Fannie Mae — one of the two major agencies that back conventional mortgages — just made a major update to its Desktop Underwriter (DU) system, the automated tool lenders use to approve home loans. Until now, most conventional loans required a...
06
2025
The 5th-Grader Version Think of mortgage rates like the price of a bus ticket. The bus company (the bond market) sets the ticket price based on how many people want a seat and where the bus is headed. The Fed doesn’t set the bus ticket directly. It makes announcements that can...
29
2025
If you’ve heard that the Fed cut interest rates and wondered why mortgage rates rose instead of fell, you’re not alone. It’s one of the most common misunderstandings in the market—and this week’s Fed meeting was a perfect example of why that happens...
22
2025
Rates Still Near 3-Year Lows Mortgage rates are holding close to their lowest levels in nearly three years, following a week of modest but steady gains in the bond market. Even though there’s been little major economic data released due to the government shutdown, the broader...