Michael Durr
& First-Time Home Buyer Specialist
"The first step to your new home starts with the right conversation. I'm here to provide the clarity you need."
28 Years of Authority
With nearly three decades of experience, I build strategies. I've personally owned over 30 properties, so I know exactly what it feels like to sit on your side of the table. I'm not just a lender; I'm an investor and advisor who understands the real estate market from every angle.
28
Years Experience
1k+
Texas Families Served
Tailored Loan Programs
Finding the right fit for your unique financial situation in Kingwood and beyond.
Conventional
The most common path for buyers with solid credit. Minimum 3% down for first-time buyers and flexible terms.
- • Conforming up to $806,500
- • PMI removal at 20% equity
FHA Loans
Designed for first-time buyers or those with less-than-perfect credit. Only 3.5% down payment required.
- • Min Credit: 580
- • Limit: $541,287 (Harris Co)
VA Loans
A zero-down benefit for our veterans and active-duty military. No PMI and highly competitive rates.
- • 0% Down Payment
- • No Monthly PMI
Jumbo Loans
For luxury properties above standard limits. High-balance financing with competitive local rates.
- • $806,500+ Financing
- • 10-20% Down Options
USDA Loans
0% down for eligible rural and suburban properties. Great for buyers on the outskirts of Kingwood.
- • 0% Down Payment
- • Suburban Eligibility
Refinancing
Lower your rate, shorten your term, or tap into your equity for cash out. I'll run the math for you.
- • Rate/Term Refi
- • Cash-Out Options
The Path to Closing
My 6-step roadmap to get you from application to your new keys in 21-30 days.
Pre-Approval
Know your numbers before you look at a single house. I'll have yours in 24 hours.
Pre-Approval
Know your numbers before you look at a single house. I'll have yours in 24 hours.
Submit your docs online. I'll verify income, credit, and assets to give you a letter that sellers actually respect.
House Hunting
Tour homes with confidence. You'll know exactly what your monthly payment looks like.
House Hunting
Tour homes with confidence. You'll know exactly what your monthly payment looks like.
Find your "Livable Forest" dream home. Your Realtor sends me the listing, and I update your PITI numbers instantly.
Under Contract
The offer is accepted. We move into the "Option Period" and lock in your interest rate.
Under Contract
The offer is accepted. We move into the "Option Period" and lock in your interest rate.
Earnest money is paid, inspections are done, and we finalize the appraisal to ensure the home's value matches the price.
Underwriting
The underwriter verifies the math. We handle requests quickly to keep the clock moving.
Underwriting
The underwriter verifies the math. We handle requests quickly to keep the clock moving.
Our team works behind the scenes. We might ask for one more paystub or bank statement to get that final "Clear to Close."
Closing Day
You sign the final paperwork at the title company. Funds are wired. You get the keys.
Closing Day
You sign the final paperwork at the title company. Funds are wired. You get the keys.
The best day of the process. You are officially a Kingwood homeowner. Welcome to the Livable Forest!
FIRST TIME HOME BUYER QUESTIONS?
Texas is the #1 destination for home buyers in the US. Build wealth through real estate starting today.
"We'll make a compelling case why you should buy sooner than later. Register today to get answers."
Contact Mike Durr
Why Local Matters
Don't settle for a 1-800 number. Working with a Kingwood-based expert gives you an edge in a competitive market.
Direct Cell Access
No call centers. You talk to me directly, every time.
Multiple Loan Options
I'm not limited to one bank. I shop 50+ lenders for you.
Faster Closings
Local processing means fewer delays and faster keys.
Local Broker vs Big Bank
NMLS #318989 | Edge Home Finance
Mortgage FAQ
Explore common questions
Let's Secure
Your Future
Success Stories from Kingwood Buyers
"The best mortgage broker in Kingwood. Fast closing and zero hidden fees. Mike is truly the guy you want in your corner."
"As a first-time home buyer, I was incredibly nervous. Mike explained everything perfectly and guided us every step of the way."
"Fast closing and excellent communication. This was my third property with Mike, and the service remains top-tier every time."
"Mike found us a rate we didn't think was possible. The transparency throughout the process was refreshing."
"Incredible attention to detail. He found programs we didn't know existed. Highly professional and knowledgeable."
"The local knowledge makes a huge difference. Mike knows Kingwood like the back of his hand. Highly recommend!"
"Transparent, honest, and hardworking. Mike is everything you want in a mortgage specialist. Five stars for sure."
"Mike saved our deal when another lender dropped the ball at the last minute. Absolute pro. Forever grateful."
Monthly Payment
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Plan your investment with precision
*Please note: this calculator is for illustration purposes only.