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MY SERVICES
Loan Programs and Products Offered
FHA HOME LOAN
FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.
VA HOME LOAN
The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.
USDA HOME LOAN
If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.
JUMBO LOAN
A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $548,250 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.
REVERSE MORTGAGE
The federal government guarantees HECM reverse mortgages and offers them as an option for homeowners who are 62 years old or
older. With this type of loan, you can take out money from your home without having to pay any monthly mortgage payments-just
interest on what's left!
SHINING STAR HERO
The Shining Star Hero Program allows for homeownership for heroes in our community!
ABOUT ME
What I Do
I am a full-service mortgage loan officer based in Friendswood, TX, specializing in Conventional, FHA, VA, First Time Homebuyer, and USDA loans. Whether you're buying a home or refinancing, I’m here to help you achieve your dream of homeownership or save money with a lower monthly payment.
Programs I Offer
I offer the following purchase loan programs: FHA, VA, USDA, HomePath, Jumbo, and Conventional.
Refinancing? I can help you with that too!
I offer a wide range of refinance options to meet your needs. Whether you're looking for cash out or just a better rate and term, I can help. My refinancing programs include FHA Streamline, FHA Cash Out, FHA 203k, VA Streamline, USDA Streamline, Conventional, HELOC, and Jumbo. I also offer niche programs like Non-QM Loans, Bank Statement Loans, and Jumbo Loans.
CONTACT
Feel free to text or call...
HEAR FROM MY AWESOME CLIENTS...
Michelle is the best ever!!!
Michelle went above and beyond in guiding us through the entire process, providing comprehensive education from start to finish. Since then, every interaction in relation to the matter has been remarkably prompt and effortless. The outstanding level of patience displayed ensured that this experience remained stress-free for us. Michelle tirelessly worked day-in and day-out, collaborating closely with our Agent to find the best financial solution for our unique circumstances. When goals were set in conjunction with Michelle, rest assured that all efforts would be exerted to make them a reality. Choosing Michelle as the lender of choice made us feel incredibly at ease. I wholeheartedly recommend Michelle to all our loved ones. Words cannot adequately express the gratitude felt, as our dream home would not have been possible without the exceptional assistance received!
Donald M.
Google Review
Wholeheartedly recommend working with Michelle!
Michelle is absolutely phenomenal! We couldn't be happier with the outcome – securing the best deal for us and ensuring we got the most value for our investment. Throughout the entire process, Michelle expertly led us, helping navigate the complexities with ease. Even after the purchase, Michelle's dedication to assisting us remains evident, promptly addressing any questions that come up. The attentive and caring approach Michelle takes truly makes individuals feel well taken care of. Working with Michelle is wholeheartedly recommended for an exceptional experience!
Leticia R.
Google Review
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
START THE PROCESS TO HOME OWNERSHIP
Fast & Easy Home Purchase Process
STEP 1
COMPLETE QUESTIONNARE
You will be taken to a questionnaire where you will be asked a series of questions that will start you toward your home buying joruney.
STEP 2
REVIEW YOUR HOME BUYING OPTIONS
I will discuss what your home buying desires are and determine the best program that will suite your needs.
STEP 3
PRE-APPROVAL
The pre-approval is an important step toward your home buying process. It focuses strictly on your basic factors. I will look at your paystubs, W-2's, bank statements, and credit report. This document tells REALTORS® that you meet the basic requirements for a home loan.
Meet Michelle
I am Michelle Knight - YourTXLoanGal, your local Texas mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity and the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals. I am passionate about helping my clients, and focus on bringing you peace of mind throughout the home financing process. I am always here to answer your questions! Ultimately a successful loan closing is my main goal. My team and I use our collective skills and expertise to make that happen for you. We are 100% committed to total client satisfaction. From the first phone call to the closing, we are here for you. I can assist first time homebuyers, investors, self-employed borrowers or high net worth clients with the same smooth efficiency. Regardless of your situation, I will direct you through the process and continue to be a resource well after your loan has closed.
Michelle Knight
Mortgage Loan Officer
Meet Michelle
I am Michelle Knight - YourTXLoanGal, your local Texas mortgage professional. As a licensed mortgage originator, my reputation is built on professionalism, integrity and the ability to keep transactions on track. I am dedicated to helping my clients obtain a mortgage that fits their specific financial goals. I am passionate about helping my clients, and focus on bringing you peace of mind throughout the home financing process. I am always here to answer your questions! Ultimately a successful loan closing is my main goal. My team and I use our collective skills and expertise to make that happen for you. We are 100% committed to total client satisfaction. From the first phone call to the closing, we are here for you. I can assist first time homebuyers, investors, self-employed borrowers or high net worth clients with the same smooth efficiency. Regardless of your situation, I will direct you through the process and continue to be a resource well after your loan has closed.
Michelle Knight
Mortgage Loan Officer
Call 281-850-9446
Call 281-850-9446
Copyright © 2025 | Licensed In: Texas | Company NMLS: 61602 | NMLS # 2590905
Disclaimer: All loans subject to qualifying factors. Not all applicants will qualify.
Your Consent & Privacy: By providing your phone or email, you grant consent for Michelle Knight to contact you, including via automated calls, texts, or pre-recorded messages. This applies even if your number is on a Do-Not-Call list. SMS/MMS may incur charges. You can revoke consent anytime.
Copyright ©2023 | Licensed In: Texas | Company NMLS: 61602 | NMLS # 2590905