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Houston area · TexasMortgage lender in Harris County, TX
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Texas and makes purchase and refinance loans in Harris County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Texas. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
Buying in Harris County
Harris County, with its county seat in Houston, also takes in Pasadena, Baytown, Katy, Cypress, Spring, Humble and Tomball. Harris County files are handled by Steve Umansky, Sr. Branch Manager, NMLS #61764, who is licensed in Texas, from our Southampton, PA office.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $541,287 (one-unit, set by HUD)
- Above the conforming limit
- Jumbo pricing
- Closing commonly handled by
- title company
- State housing agency
- Texas Department of Housing and Community Affairs (TDHCA) (general information; not a participating lender)
- Your officer
- Steve Umansky, NMLS #61764
2026 limits for a one-unit property. Harris County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
Harris County: Houston, flood maps and district taxes
Flooding is the first thing to check. Many parts of the county have flooded in major storms, including areas outside the mapped flood zones, so we order the flood determination at the start and suggest a flood insurance quote for any home, required or not.
Property taxes are the second. Besides the county, city and school district, many subdivisions in Cypress, Katy, Spring and Humble sit in a municipal utility district with its own tax, and the total rate differs widely from one neighborhood to the next. We build the payment from every taxing unit on the property. Houston has no conventional zoning, so deed restrictions and homeowners associations govern what can be built nearby.
Harris County by the numbers
- Median home value
- $276,600 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 1.62% of home value a year: median tax bill $4,489 on a median value of $276,600 (Census Bureau, ACS 2020–2024, table B25103)
- Transfer tax
- None. Texas has no real estate transfer tax (Texas Constitution, art. VIII, § 29)
- Largest communities
- Houston, Pasadena, Atascocita, Baytown (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $276,600. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $541,287.
Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.
Closing and programs in Texas
Closings in Texas are typically handled by a title company. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the Texas page. Property taxes are set locally; we take the figure from the tax record for the address.
Questions Harris County buyers ask
Does Stellar Mortgage lend in Harris County, TX?
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in Texas and makes purchase and refinance loans in Harris County: conventional, FHA, VA, USDA, jumbo and non-QM. Steve Umansky, NMLS #61764, is our licensed loan officer for Texas and works Texas files from our Southampton, PA office by phone, secure portal and e-signature.
What are the 2026 loan limits in Harris County?
For 2026 the conforming loan limit for a one-unit home in Harris County is $832,750 and the FHA limit is $541,287. Harris County is not designated a high-cost area for conforming loans, so the national baseline of $832,750 applies. Limits for two- to four-unit properties are higher.
Is there down payment help for buyers in Harris County?
The Texas Department of Housing and Community Affairs (TDHCA) runs Texas’s homebuyer programs, which can include help with the down payment and closing costs for buyers who meet its income and price limits. Stellar Mortgage is not a participating lender for those programs, so this is general information; the agency’s website lists participating lenders.
Who pays the transfer tax in Harris County?
No one: Texas has no real estate transfer tax, and the state constitution bars one. County recording fees still apply.
Texas notice. Texas residents: see the Texas complaint notice required by the Department of Savings and Mortgage Lending.
Limits shown are the 2026 FHFA and HUD figures for Harris County. Loan limits, tax rates and agency programs are set by third parties and change. Not a commitment to lend.
Get pre-approved in Harris County
Three quick steps, about a minute. No Social Security number, no pay stubs. Steve calls you back, usually the same business day.
Equal Housing Lender · NMLS #2190975 4.94★ · 1,361 verified reviews on Experience.com
“You were always professional, responsive, patient, and helpful, and you made what could have been a stressful process feel smooth and easy.”Yelda A., North Wales, PA · verified review on Experience.com
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