Mortgage Broker in Texas

Your Dream of
Homeownership
Starts Here

We guide you step by step through the mortgage process. FHA, VA, Conventional loans and more, with personalized guidance in Spanish and English.

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100+
Families Helped
10+
Years of Experience
20+
Lenders
Mortgage Calculator

Mortgage Calculator

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*This calculator gives estimates. Taxes, insurance and mortgage insurance are approximate, so the actual payment may be higher. The interest rate is not the annual percentage rate (APR); the APR includes loan costs and will be higher. The numbers you enter are not a loan offer or a guaranteed rate. Ask us for a Loan Estimate for an accurate quote.

Our Services

Mortgage Solutions Tailored to You

We offer a wide range of financing options to help you achieve the dream of homeownership.

Home Purchase Loans

FHA, VA, Conventional, USDA, and Non-QM programs for every type of buyer.

Learn more

Refinancing

We review whether a refinance could improve your current mortgage terms.

Learn more

ITIN Support

Programs designed for clients who use an ITIN instead of a Social Security number.

Learn more

Personalized Guidance

We guide you through the entire mortgage process with service in Spanish and English.

Learn more

Investor Loans

Financial solutions for investment and commercial real estate.

Learn more

Land Loans

Financing for residential land purchases. The acreage that can be financed depends on the lender and the program.

Learn more
The Tu Hogar en Texas team
10+
Years of Experience
About Us

More Than a Mortgage Broker, We're Your Ally

At Tu Hogar en Texas, operated by M First Mortgage LLC, we understand that buying a home is one of the most important decisions of your life. That's why we provide personalized, hands-on guidance, walking with you through every step of the mortgage process.

Our mission is to make the dream of homeownership accessible for the Hispanic community in Texas, with service in Spanish and English and access to multiple lenders. Our office is in Richmond, TX, and we serve families across Fort Bend County and the Houston area.

Bilingual Service
20+ Lenders
Licensed in Texas
ITIN Support
Mortgage Process

Your Path Home

A simple 5-step process to your new home

Pre-Qualification

We evaluate your financial situation and give you an estimate of what you can buy.

Application

You complete the formal application and provide the necessary documentation.

Processing

We verify your information, prepare your file, and the lender orders the appraisal.

Lender Approval

The lender's underwriter reviews your file and the lender decides whether to approve the loan. We keep you informed every step of the way.

Closing!

You sign the final documents and receive the keys to your new home. Congratulations!

What Our Clients Say

What Our Clients Say

Real testimonials from families who achieved their dream

5.0 out of 5 stars on Google · 17 reviews Leave us a review
FAQ

Frequently Asked Questions

Answers to the most common mortgage questions

We are not a bank or a lender. As a mortgage broker, we compare loan programs from several lenders, help you with your application and stay with you through closing. The lender reviews your file and decides whether to approve the loan. See our services.

No. The first consultation is free, with no obligation: we review your case, explain which programs could fit you and you decide whether to move forward. If you do, you will see the loan costs on your Loan Estimate. Request your free consultation.

It depends on the program and your profile: some programs allow a smaller down payment than others, and Texas has down payment assistance programs. You will see the amount for your case on your Loan Estimate. Read our guide to down payment assistance programs.

It may be possible. Some programs accept rent and utility payment history instead of a traditional credit score. We can help you review your alternatives. Learn which credit scores lenders look at.

Every case is different: the lender sets the review and appraisal timelines, and the closing date is agreed in the purchase contract. See the steps in our step-by-step guide and the difference between prequalification and preapproval.

Generally you will need: identification, proof of income (pay stubs or tax returns), bank statements, and your social security number or ITIN. See the full document checklist.

Absolutely! Our team is fully bilingual. We can assist you in Spanish and English throughout the entire process, by phone or at our Richmond, TX office.

Not necessarily. We compare programs from lenders that accept an ITIN (Individual Taxpayer Identification Number). Contact us to review your options.

Communities We Serve

We help you buy a home in Richmond, Rosenberg, Katy, Fulshear, Sugar Land, Missouri City and across the Houston area

Home in Richmond
Richmond, TX
FHA, conventional and other loans
Home loans in Richmond Homes for sale on Zillow
Home in Rosenberg
Rosenberg, TX
FHA, conventional and other loans
Home loans in Rosenberg Homes for sale on Zillow
Home in Katy
Katy, TX
FHA, conventional and other loans
Home loans in Katy Homes for sale on Zillow
Home in Fulshear
Fulshear, TX
FHA, conventional and other loans
Home loans in Fulshear Homes for sale on Zillow
Home in Sugar Land
Sugar Land, TX
FHA, conventional and other loans
Home loans in Sugar Land Homes for sale on Zillow
Home in Missouri City
Missouri City, TX
FHA, conventional and other loans
Home loans in Missouri City Homes for sale on Zillow

* Tu Hogar en Texas is a mortgage brokerage (M First Mortgage LLC), not a real estate agency. The Zillow links open home searches on an external site and are provided for informational purposes only.

Ready to Start Your Mortgage Process?

Request a free consultation today and take the first step toward your dream home in Texas.

Request a Consultation (281) 505-5306

Mortgage Services in Texas

Complete mortgage solutions for every situation. Discover how we can help you reach your goals.

Personalized Guidance
Personalized Guidance

Personalized Mortgage Guidance

We accompany you throughout the entire mortgage process with personalized service in Spanish and English. From the first consultation to closing your loan, our team is with you every step of the way.

  • Free no-obligation consultation
  • Fully bilingual service (Spanish / English)
  • Personalized analysis of your financial profile
  • Support through successful closing

Related guides

Talk to an Expert
Basic Financial Education
Basic Financial Education

Basic Financial Education for Homebuyers

We provide guidance on fundamental mortgage concepts so you can make informed decisions. Understanding interest rates, points, closing costs and more has never been easier.

  • Workshops on interest rates and points
  • Clear explanation of closing costs
  • Tips to improve your credit score
  • Step-by-step mortgage process guides

Related guides

Talk to an Expert
Pre-Qualification / Pre-Approval
Pre-Qualification / Pre-Approval

Pre-Qualification and Pre-Approval Letters

We perform a quick evaluation of your financial profile to determine the loan amount you qualify for. With your pre-approval letter, sellers will take you seriously.

  • Quick evaluation in under 24 hours
  • Pre-approval letter to negotiate better
  • No negative impact on your credit
  • Clarity on your real budget

Related guides

Talk to an Expert
Home Purchase Loans
Home Purchase Loans

Home Purchase Loans: FHA, VA, Conventional and USDA

We handle various mortgage programs including FHA, Conventional, VA, USDA and Non-QM programs for non-traditional income cases. We compare programs from several lenders so you can see your options.

  • FHA programs with a low down payment
  • Conventional, VA and USDA loans
  • Non-QM options for non-traditional income
  • First-time buyer assistance programs

Related guides

Talk to an Expert
Refinancing
Refinancing

Refinance Your Mortgage in Texas

Want to improve your current mortgage terms? We explore options to reduce your interest rate, lower your monthly payment, or access your property's equity.

  • See whether you could lower your interest rate
  • Compare whether your monthly payment could go down
  • Cash-Out to access your home equity
  • Debt consolidation options, depending on your case

Related guides

Talk to an Expert
Investor / Commercial Loans
Investor / Commercial Loans

Investor and Commercial Property Loans

Financial solutions for investment real estate. Whether you're buying your first rental property or expanding your portfolio, we have options for you.

  • DSCR loans (based on property rental income)
  • Financing for multifamily properties
  • Options for foreign investors
  • Return on investment (ROI) analysis
Talk to an Expert
ITIN Client Support
ITIN Client Support

Loan Options for Clients With an ITIN

Programs specifically designed for people who use an ITIN (Individual Taxpayer Identification Number). Some programs do not require a Social Security number.

  • No Social Security number required
  • We accept tax returns with ITIN
  • Flexible down payment programs
  • We handle your data under our Privacy Policy
Talk to an Expert
Land Loans
Land Loans

Land Loans in Texas

Financing for residential land purchases, for those who want to build their home from the ground up. The acreage that can be financed depends on the lender and the program.

  • Different lot sizes, depending on the lender
  • Residential and agricultural lots
  • Financing for future construction
  • Options with and without existing structures
Talk to an Expert
Access to Multiple Lenders
Access to Multiple Lenders

We Compare Programs From Over 20 Lenders

As a mortgage broker, we work with over 20 lenders, so we can compare programs and options to find the one that fits your situation.

  • Network of over 20 active lenders
  • We compare rates and costs from several lenders
  • We help you review the terms of each offer
  • Programs from different lenders in one place
Talk to an Expert

About Maria Primera and M First Mortgage

Meet the team behind Tu Hogar en Texas and our mission to serve the community.

Our Mission

We Make the Dream of Homeownership Accessible

At M First Mortgage LLC, our mission is to simplify the mortgage process for families in Texas. We believe every person deserves the opportunity to own a home, regardless of their background or financial situation.

We specialize in serving the Hispanic community, offering fully bilingual service and programs designed for the unique needs of our clients, including options for people with an ITIN. We work from our office in Richmond, TX, for families across Fort Bend County and the Houston area.

Personalized Service
Bilingual Team
Community Focus
Full Transparency
Our team with happy Tu Hogar en Texas families
Our Team

Meet Your Guide

Maria Primera

Maria Primera

Mortgage Broker / Founder
NMLS #1920759

With over 10 years of experience in the mortgage industry, Maria founded Tu Hogar en Texas with the vision of helping Hispanic families achieve the dream of homeownership.

Company
M First Mortgage LLC
Company NMLS
#2698014
Location
Richmond, TX

Contact Us

We're ready to help you start your mortgage process. Get in touch with us today!

Let's Talk About Your Future Home

Request a free consultation to speak with a mortgage expert. We're available in Spanish and English.

Phone

(281) 505-5306

Email

maria@mfirstmortgage.com

Office

24200 Via Mazzini Way
Suite 301, Office 217
Richmond, TX 77406

More about our Richmond, TX office

Hours

Monday to Friday: 9:00 AM to 7:00 PM
Saturday: By appointment

Send Us a Message

We use your information to reply to you and help with your loan, and we do not sell it. See the details in our Privacy Policy.

24200 Via Mazzini Way
Suite 301, Office 217
Richmond, TX 77406

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Tips & Resources

What to do and what to avoid at each stage, a document checklist for your situation, and plain explanations of the terms on your loan papers.

Before, during and at closing

What to Do and What to Avoid

From the time you apply until closing day, the lender reviews your credit, income and savings, and may review them again shortly before you sign. These habits, starting before you apply, help you avoid delays and surprises.

Before you apply

Do this

  • Check your credit early.Get your free reports at AnnualCreditReport.com, the official site, and dispute any errors before you apply.Read more
  • Start gathering your documents.Keep them in one folder, on paper or on your phone. The list for your situation is below.See the list
  • Save for more than the down payment.You will also need money for closing costs, the inspection, moving and an emergency fund.Read more
  • Ask about down payment assistance.Texas has programs that may help with the down payment or closing costs. Each one has its own requirements and limits.Read more
  • Shop around with confidence.When you compare mortgage loans, credit checks made within a short period usually count as one for your score.

Avoid this

  • Do not apply for new cards or loans.Each application can lower your score a little, and every new monthly payment counts in the debts the lender reviews.
  • Do not close your oldest credit cards.Closing them can lower your score. If you do not use them, you can keep them open with no balance.
  • Do not co-sign for anyone.That debt shows up on your credit and usually counts as yours, even if someone else pays it.

While your loan is in process

Do this

  • Pay everything on time.Rent, cards, car and every other bill. One late payment now can affect your loan.
  • Send complete documents quickly.Send every page of each statement, even the blank ones. Each day of waiting can move your closing date.
  • Keep proof of every deposit that is not your paycheck.If someone pays you back or you sell something, keep the receipt or the transfer record; you may be asked for it. If someone is going to give you money, tell us before you receive it.
  • Tell us about any change.A new job, a change in your hours or pay, a new debt or a change in marital status. The sooner we know, the better.
  • Get homeowners insurance quotes as soon as you have a contract.The lender requires it before closing. If the home is in a high-risk flood zone, the lender will also require flood insurance.Read more

Avoid this

  • Do not open new credit or buy on credit.No car, furniture or appliances for the new home until after closing. The lender may check your credit again before you sign.
  • Do not change jobs without talking to us first.The same goes for switching from employee (W-2) to contractor (1099) or cutting your hours. A change is not always a problem, but the lender usually verifies your employment again shortly before closing.
  • Do not move your money without telling us.Withdrawing savings, moving money between accounts or closing an account can mean documenting everything again.
  • Do not deposit cash you cannot document.In many programs, any single deposit larger than half of your monthly income needs proof of where it came from, and the lender can ask about any other deposit too. If you have savings in cash, ask us before you deposit them.

At closing and after

Do this

  • Compare your Closing Disclosure with your Loan Estimate.You receive it at least 3 business days before you sign. If anything is different from what you expected, tell us before closing day.Read more
  • Do the final walk-through.Before you sign, check with your agent that the home is in the agreed condition and that agreed repairs are done.
  • Confirm wiring instructions by phone.Call the title company at a number you saved earlier or confirmed with your agent, never the one in the email or text.
  • Bring your ID and have your funds ready as instructed.The title company gives you the final amount and how to pay it, usually a wire transfer or a cashier's check.
  • After you move in, apply for your homestead exemption.You apply with your county appraisal district, and it can lower your property taxes.Read more

Avoid this

  • Do not send money based on instructions you only got by email or text.A last-minute change of account is a red flag. If you already sent money, call your bank right away to ask them to stop the transfer, alert the title company and report it at ic3.gov.
  • Do not give your Social Security number or ITIN to anyone who calls or writes out of the blue asking for it.Share it only in your loan application or through the channel we tell you. Do not send it by WhatsApp, text message or social media.
  • Do not sign until your questions are answered.Ask about anything you do not understand before you sign. There are no silly questions here.
Documents

Your Document Checklist

The exact list depends on your type of income, the program and the lender. Start with what everyone needs, then open the situations that look like yours; you can open more than one.

For everyone

You usually do not need your physical Social Security card: with your permission, the lender verifies your number directly.

You are an employee (W-2)
You are self-employed or paid on a 1099

Many programs ask for 1 to 2 years of self-employment history. Some use 12 to 24 months of bank statements instead of tax returns.

You receive retirement, pension or Social Security income
You are buying with an ITIN

Make sure your ITIN is current. It expires on December 31 of the third year in a row that it is not used on any federal tax return, and also if it was assigned before 2013 and never renewed. You renew it with Form W-7.

Read more
You are a veteran or service member (VA)

If you are in the National Guard or Reserve, or a surviving spouse, the documents may be different; we will tell you which ones.

Someone is giving you money for the down payment or closing

Who can give you money, and how much, depends on the program. Tell us before the money moves.

You already own property or are buying to invest

Some investor programs (DSCR) look mainly at the rent the property can bring in. If you live outside the United States, there are also programs with different requirements; we will tell you which documents apply.

You are refinancing

If you want to take cash out of the Texas home you live in, special rules from the Texas Constitution apply, with notices and waiting periods. We explain them before you apply.

Other situations

This list is a general guide, not a final list. Depending on your case and your program, the lender may ask for other documents or a letter of explanation. Send us your documents only through the channel we tell you, never through social media.

Tu Hogar en Texas, a trade name of M First Mortgage LLC (NMLS #2698014). Maria Primera, NMLS #1920759. tuhogarentexas.com · (281) 505-5306. General educational information, not an offer of credit.

Already have your documents, or not sure which case is yours?

Request a Consultation Start Application
Glossary

Words You Will See

Your loan papers use terms like these. Tap or click one to see what it means in plain words, with the Spanish term below it.

Pre-qualification / Pre-approvalPrecalificación o preaprobación

A letter showing the approximate amount you may be able to borrow, based on the information reviewed so far. It is not a final approval or a loan commitment.

Loan EstimateEstimación del Préstamo

A standard 3-page form with a loan's interest rate, estimated payment and closing costs. It must be delivered or mailed to you no later than 3 business days after you apply, and it helps you compare offers.

APR (Annual Percentage Rate)Tasa de porcentaje anual

The yearly rate that shows the cost of your loan, including interest and certain fees. That is why it is usually different from the interest rate. It helps you compare loans.

Rate lockBloqueo de tasa

An agreement that holds your interest rate for a set time while your loan is processed, as long as the details of your application do not change. Always ask when it expires.

Earnest moneyDepósito de buena fe

Money you deliver to the title company after the seller accepts your offer (in Texas, usually within 3 days) to show you are serious. It is applied to your purchase at closing.

Option periodPeriodo de opción

The days agreed in your Texas purchase contract when you can inspect the home and end the contract for any reason. In exchange you pay the seller a fee (the option fee), which is delivered to the title company and, if you buy the home, credited to the price at closing.

AppraisalAvalúo

A licensed appraiser estimates the home's value for the lender. It is not the same as the inspection. If the appraisal comes in below the price, we walk you through your options.

UnderwritingSuscripción (revisión del prestamista)

The lender's in-depth review of your credit, income, savings, documents and the appraisal before it decides on your loan. It is common for the lender to ask for something more before final approval, such as a document or a letter of explanation.

Letter of explanation (LOE)Carta de explicación

A short letter you write to explain something in your file, such as a large deposit, a credit inquiry or a gap in employment.

Clear to closeListo para cerrar

The notice that the lender has signed off on the conditions and closing can be scheduled.

Closing DisclosureDeclaración de Cierre

A 5-page form with the final terms and all the costs of your loan. You must receive it at least 3 business days before you sign. Compare it with your Loan Estimate.

Escrow accountCuenta de depósito en garantía (escrow)

An account that holds part of your monthly payment to pay your property taxes and homeowners insurance when they are due. It is handled by the company you pay your mortgage to. Many loans require one.

Mortgage insurance (PMI or MIP)Seguro hipotecario

It protects the lender if the loan is not repaid. FHA loans require it (MIP), and so do many conventional loans when the down payment is small (PMI). It is not the same as homeowners insurance.

Resources

Keep Learning

Free tools and short articles for every stage of your purchase.

Free tools

Free homebuyer guideThe 6 steps to buying a home in Texas, to read online or save as a PDF. Mortgage CalculatorEstimate a payment with your own numbers, for a purchase or a refinance.

Articles

See all articles

Updated October 2026. This information is general and educational. It is not an offer of credit or a loan commitment. All loans are subject to lender approval and to credit, income, property and eligibility requirements. Programs and requirements may change. Tu Hogar en Texas is a registered trade name of M First Mortgage LLC (NMLS #2698014), a mortgage broker licensed in Texas. We are not a bank or a lender.

Careers

Join our team and help families achieve the dream of homeownership.

Are You Passionate About Helping People?

At M First Mortgage LLC we're looking for motivated Loan Officers committed to our community. If you have experience in the mortgage industry or are interested in starting a career in this field, we want to meet you!

We offer a family-oriented work environment, ongoing training, and the opportunity to make a real difference in families' lives.

Competitive Commissions

Attractive compensation plan with commissions for each successfully closed loan.

Ongoing Training

Constant professional development and training to keep you up to date with the industry.

Flexibility

Work with flexible schedules and the possibility of remote/hybrid work.

Tools & Support

Access to cutting-edge technology and administrative support so you can focus on your clients.

Family Environment

A united team that works as a family, with values of respect and collaboration.

Professional Growth

Opportunities for career advancement and development within the company.

Interested in Joining?

Send your resume and cover letter to our email.

Send Application

Or call us at (281) 505-5306

Texas Homebuying Guides

Plain-language guides by a licensed mortgage broker in Richmond, TX

How to Buy a HUD Home in the Houston Area

Published by Tu Hogar en Texas. Licensed broker: Maria Primera (NMLS #1920759)

If you are looking for a home in the Houston area, you may see listings for HUD homes. A HUD home is a home that came to the Department of Housing and Urban Development (HUD) after an FHA-insured loan stopped being paid, and that HUD now sells. Here is how to buy one and what to check before you bid, according to HUD.

What Is a HUD Home?

According to HUD, the agency does not buy homes: the homes it sells come to it when an FHA-insured loan goes into default. They have one to four units, and HUD posts the available homes on its HUD Home Store site, by state.

People Who Will Live in the Home Bid First

According to a HUD letter to lenders (Mortgagee Letter 2025-13), homes listed for public sale start with an exclusive listing period when only buyers who will live in it (owner-occupants), HUD-approved nonprofits and government entities may bid. How long that period lasts depends on the home's financing category. During that period, HUD picks the bid that gives it the greatest net return and meets its terms of sale. Investors may bid afterward.

A Registered Broker Submits the Offer

You cannot bid on your own. According to HUD, the offer is submitted by a real estate broker registered with HUD, who first files HUD's forms and gets an identification number. HUD notes that most brokers are approved; ask your real estate agent whether their broker is registered.

Sold in Its Current Condition

HUD sells its homes as-is: it does not warrant their condition and does not pay for repairs or fix defects. That is why HUD recommends a professional inspection before you bid. A TREC-licensed inspector helps you see what the home needs; read more in our guide to your first home inspection.

The Financing Categories on the Listing

According to HUD, each home is offered in one of these categories:

  • Insured: the home can be bought with an FHA-insured loan.
  • Insured with escrow: the FHA loan includes an escrow to make the remaining repairs.
  • Uninsured: the home, in its current condition, does not meet FHA property requirements.

HUD's sales contract also allows buying with cash or with a conventional or other non-FHA loan. And FHA's 203(k) program insures loans that cover both the purchase and the rehabilitation of the home; HUD lists HUD homes among the acceptable properties. Review how FHA works in our guide to FHA loans in Texas.

Good Neighbor Next Door

According to HUD, this program offers some HUD homes in revitalization areas exclusively to these buyers, employed full time in a job that serves the home's locality:

  • Law enforcement officers.
  • Teachers from pre-kindergarten through grade 12.
  • Firefighters and emergency medical technicians (EMTs).

HUD gives a discount from the list price. The buyer commits to live in the home as a principal residence for the time the program sets and certifies it every year. If several people bid on the same home, HUD chooses by random lottery.

HUD rules and listing periods may change; check HUD's site before you bid.

At Tu Hogar en Texas we compare programs from several lenders to finance a HUD home before you submit your offer. Request your free consultation!

General and educational information. Not an offer of credit or a loan commitment. Programs and requirements may change.

Sources

  1. HUD: Frequently Asked Questions about HUD homes
  2. HUD: How to Sell HUD Homes
  3. HUD: Mortgagee Letter 2025-13, REO Exclusive Listing Period
  4. HUD: Sales Contract HUD-9548 and Instructions
  5. HUD: 4150.2 Appendix A, Valuation of Real Estate Owned Properties
  6. HUD: 203(k) Rehabilitation Mortgage Insurance Program
  7. HUD: Good Neighbor Next Door Program

Privacy Policy

How we collect, use and protect your information.

Last updated: October 9, 2026

This website, tuhogarentexas.com (Tu Hogar en Texas), is operated by M First Mortgage LLC (NMLS #2698014), a mortgage company with an office in Richmond, Texas. This policy explains what information we collect when you visit the site, how we use it and what choices you have.

Information you give us

  • Contact form: your name, phone number, email, the service you are interested in and your message. If you completed the quiz, your answers, score and result are also sent. If you tapped Get Pre-Qualified Now! in the calculator, your estimate is also sent: home price, down payment, loan type, rate, term and monthly payment. You can remove either one before sending. The form also includes how you reached the site (the site you came from, such as Google or Instagram, or a direct visit; the campaign name if you used a campaign link; and whether you came from a Google ad or a Facebook or Instagram link) and the first page you visited.
  • Forms for real estate agents: the agent's name, phone, email and brokerage. In a pre-approval letter request, also the buyer's name, the property address and the offer price. In a referral, the client's name, phone and email, their language, their situation and when they plan to buy. The form also sends any notes the agent adds, when the letter is needed and, as with the contact form, how the agent reached the site and the first page they visited. The agent confirms that their client agreed to be contacted, and we use this information only to handle that request.
  • Mortgage assistant chat: the questions you type in the chat.
  • Phone, WhatsApp and email: the information you share when you call or write to us.

Information collected automatically

  • Google Analytics: we use Google Analytics to understand how the site is used. Google Analytics uses cookies and collects data such as the pages you visit, your device and browser type, your approximate location and where you came from. We also record actions such as tapping the call or WhatsApp buttons, opening the chat, completing the quiz or sending the form. We do not send your name, phone number, email or the content of your messages to Google Analytics.
  • Data saved in your browser: your own browser keeps your preferred language, whether you use dark mode, whether you already completed the quiz, which documents you checked off on the Tips page checklist, whether you closed the language suggestion and whether you turned off Google Analytics. While the tab is open, it also keeps your quiz results, your calculator estimate and how you reached the site. This data does not leave your browser unless you send the contact form or one of the agent forms.
  • Technical data: our hosting provider, Netlify, processes technical data such as your IP address to deliver and protect the site.

How we use your information

  • To answer your questions and give you information about mortgage loans.
  • To prepare loan options and, if you choose, help you with your application.
  • To learn which pages and channels work best and improve the site.
  • To comply with the laws that apply to mortgage companies.

We do not sell your personal information.

Who we share your information with

  • Providers that run the site: Netlify (hosting and the contact form), Google (Google Analytics, Google Fonts, the map of our office and Gemini, the artificial intelligence service that answers in the chat) and Cloudflare (cdnjs, which delivers some of the site's files). Each one processes data under its own policies.
  • Lenders: if you decide to move forward with a loan, we share the necessary information with the lenders that can offer you financing.
  • When the law requires it: for example, to respond to a court order or a regulator.

The artificial intelligence chat

The questions you type in the chat are sent to Gemini, a Google service, to generate the answers, and Google may process them under its own terms. Our site does not keep a history of your conversations. The chat is for information only. Please do not type sensitive data in the chat, such as your Social Security number (SSN), your ITIN, bank account numbers or passwords.

Loan applications

The Start Application button takes you to LendingPad, the platform we use for loan applications. The information you enter there is handled under LendingPad's privacy policy and the privacy notice we give you during the loan process, as federal law requires.

Links to other sites

The site links to WhatsApp, Facebook, Instagram, LinkedIn, Zillow, Google Maps and NMLS Consumer Access. Those sites have their own privacy policies.

Your choices

  • You can turn off Google Analytics on this site with the button at the end of this page, or on all sites with the Google Analytics opt-out browser add-on.
  • If your browser sends the Global Privacy Control signal, we do not load Google Analytics.
  • You can delete the data saved in your browser from your browser settings. If you do, your choice to turn off Google Analytics is deleted too, so you would need to turn it off again.
  • You can ask us to see, correct or delete the information you sent us through the site. Write or call us using the details below. We may need to keep some information when the law requires it.

To learn more about how Google uses data, see How Google uses information from sites or apps that use its services.

Security

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Contact

M First Mortgage LLC (NMLS #2698014)
24200 Via Mazzini Way, Suite 301, Office 217, Richmond, TX 77406
Phone: (281) 505-5306
Email: maria@mfirstmortgage.com

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For Real Estate Agents

Request a pre-approval letter for your buyer's offer or refer a client to us. We work with you and your client in Spanish or English.

Request a pre-approval letter Refer a client

Why agents work with us

Spanish and English

We explain every step to your client in their language, and to you in yours.

ITIN and self-employed buyers

Options for buyers with an ITIN, self-employed buyers and first-time buyers.

Multiple lenders

As a mortgage broker we compare programs from several lenders to find the one that fits your client.

Clear communication

We keep you posted on your client's loan through closing.

Is the seller offering a concession?

Compare a price cut with a 2-1 temporary or permanent rate buydown, and send the result to your buyer.

Open the calculator

Request a pre-approval letter

For buyers already pre-approved with us. We prepare the letter with your offer's price and address. New client? Use the referral form.

Your details

The offer

Refer a client

Send us your client's details and we will contact them to start their pre-qualification. We'll let you know once we've talked with them.

Your details

Your client

Client's situation (check all that apply)

We use this information only to handle your request, and we never sell it. Read our Privacy Policy.

Is it urgent? Call or WhatsApp Maria at (281) 505-5306.

Message on WhatsApp

Price Cut or Rate Buydown?

When the seller offers money, compare which option lowers your buyer's payment the most.

The scenario

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One point costs 1% of the loan. How much it lowers the rate depends on the lender and the day; 0.25% is a common example.

Price cut

2-1 temporary buydown

Permanent buydown (points)

Send this comparison

Want exact numbers for your buyer? Talk to Maria

*Payments are principal and interest only; they do not include taxes, homeowners insurance, mortgage insurance or dues, so the actual payment will be higher. The interest rate is not the annual percentage rate (APR); the APR includes loan costs and will be higher. Ask us for a Loan Estimate. On FHA, VA and USDA loans the program's upfront fee is usually added to the loan, which raises the payment a little. The numbers you enter here are not a loan offer or a guaranteed rate. Programs, seller contribution limits and approval depend on the lender and the buyer. With a temporary buydown, the buyer qualifies at the full rate.

Mortgage Broker in Richmond, TX

Tu Hogar en Texas, operated by M First Mortgage LLC, serves families in Richmond, Rosenberg, Katy, Fulshear, Sugar Land and all of Fort Bend County, in Spanish and English.

An office near you, in Fort Bend County

Our office is at 24200 Via Mazzini Way, Suite 301, Office 217, Richmond, TX 77406, near the Westpark Tollway and Katy-Gaston Road. From there we serve buyers across the Houston area: in person by appointment, by phone, by WhatsApp or by email.

We are a mortgage broker, not a bank or a lender: we compare loan programs from several lenders and explain the options in your language. Maria Primera (NMLS #1920759) is with you from pre-qualification to closing; the lender reviews your documents and decides.

Areas we serve

Richmond

Our office and the Fort Bend County seat.

Rosenberg

Richmond's neighbor, along US 59/I-69.

Katy

North of our office, across Fort Bend, Harris and Waller counties.

Fulshear

To the west, along FM 1093.

Sugar Land and Missouri City

To the east, along US 59/I-69 and Highway 6.

Houston and surroundings

We also serve the rest of the Houston metro area.

If your home is in another Texas city, we can help too: M First Mortgage LLC's license covers the whole state.

How we help: a mortgage broker near you compares programs from several mortgage lenders

Home purchase

First home or the next one: we compare FHA, VA, USDA and conventional programs for your case.

See home purchase loans

Refinancing

We review whether a refinance makes sense for your current mortgage.

See refinancing

Pre-qualification

We review your profile and tell you the next steps before you shop for a home.

See pre-qualification

Other programs

Investor loans, land loans and options for clients with an ITIN, among others.

See all services

What to know when buying in Fort Bend

Many new homes in this area sit inside a MUD or a PID, districts that charge their own tax or assessment; the county appraisal district sets the appraised value and each local taxing unit sets its rate; and since part of the county is near the Brazos River, the flood zone on FEMA's maps affects the insurance a lender requires. These guides help you prepare:

Frequently asked questions

Do you only work in Richmond?

No. Richmond is where our office is, but we serve all of Fort Bend County, the Houston area and any city in Texas.

Can I do the whole process in Spanish?

Yes. We explain every document and every step in Spanish or in English, whichever you prefer.

Are you a bank or a lender?

No. M First Mortgage LLC is a mortgage broker: we compare programs from several lenders and help you with the application. The lender approves and funds the loan.

Do I have to come to the office?

No. You can do everything by phone, WhatsApp and email. If you prefer to meet in person, book an appointment at our Richmond office.

Do you help with refinancing in Richmond and Fort Bend County?

Yes. We review your current mortgage and compare refinance programs from several lenders. The lender reviews your documents and decides whether to approve the loan. Learn more about refinancing.

How do I check the licenses of M First Mortgage and Maria Primera?

Search NMLS Consumer Access for NMLS #2698014, M First Mortgage LLC, and NMLS #1920759, Maria Primera. It lists their licenses and the status of each one.

Our Richmond office

Office

24200 Via Mazzini Way
Suite 301, Office 217
Richmond, TX 77406

Get directions · Google reviews

Hours

Monday to Friday: 9:00 AM to 7:00 PM
Saturday: By appointment

Phone

(281) 505-5306

Ready to take the first step?

Request your free consultation and we tell you which programs could fit your case.

Request your free consultation

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Can You Buy a Home?

Answer these quick questions to discover your options

What is your employment status?

What is your approximate annual income?

Do you have credit history?

How much do you have saved for a down payment?

Is this your first home?

What documentation do you have?

AI Mortgage Assistant Tu Hogar en Texas
Hi! 👋 I'm your virtual mortgage assistant. Ask me about loans, down payments, credit, programs, or any home buying topic. How can I help?
This assistant is informational only. Do not type your SSN, ITIN or account numbers. For personalized advice call (281) 505-5306.