Mortgage professionals are standing by!
(832) 813-2294
  • The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.  

    The PERFECT HOME is waiting for you -- let us find you the perfect loan to go with it.  

  • We are proud to help veterans with their loan needs.  Thank you for serving our country!

    We are proud to help veterans with their loan needs.  Thank you for serving our country!

  • No matter what type of loan you need, we're with you every step of the way.  

    No matter what type of loan you need, we're with you every step of the way.  

  • We make Refinancing a breeze! 

    We make Refinancing a breeze! 

  • Let us be the stepping stone to the home of your dreams. 

    Let us be the stepping stone to the home of your dreams. 

Apply Now

Complete our online secure application.

Get Started

Today's Rates

View today's mortgage rates and APR's.

Search Rates

Mortgage News

Check out the latest in the mortgage industry.

Learn more

                                                                                          

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

May
07
2025
Mortgage Rates Just Dropped—Here’s Why the Fed Had Nothing to Do With It
As of May 7, 2025, the average 30-year fixed mortgage rate has dipped slightly to 6.86%, down from 6.88% the previous day. This minor decrease wasn’t triggered by any major announcement from the Federal Reserve—it’s actually a result of quiet shifts in the bond market...
Apr
30
2025
March 2025 Housing Market Update: 5 Key Takeaways for Homebuyers and Sellers
As we move through the busy spring season, the March housing reports show a shifting market. Whether you're buying or selling, understanding what's happening right now can help you make better-informed decisions. Here's a simplified breakdown of the top five takeaways from March 2025...
Apr
23
2025
Why the Housing Market Isn't Crashing in 2025
With rising home prices and fluctuating mortgage rates, it’s understandable that some are wondering whether a housing market crash is on the horizon. The good news? Multiple key indicators show that today’s market is fundamentally different—and more...
Apr
16
2025
How Are Property Taxes Calculated? Here’s What Homebuyers Should Know
When you’re budgeting for a new home, there’s one number you don’t want to overlook: property taxes. Whether you're buying your first home, relocating, or investing in land, understanding how property taxes are calculated is essential to avoid surprises and...