Michael
Durr
& First-Time Home Buyer Specialist
"The first step to your new home starts with the right conversation."
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 real estate 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
Standard choice for buyers with solid credit. Min 3% down available.
- Conforming to $806,500
- PMI removal at 20% equity
FHA Loans
Designed for buyers with lower credit or smaller down payments.
- Min Credit: 580
- Limit: $541,287 (Harris Co)
VA Loans
A zero-down benefit for veterans and active-duty military.
- 0% Down Payment
- No Monthly PMI
Jumbo Loans
For luxury properties above standard limits. High-balance financing.
- $806,500+ Financing
USDA Loans
0% down for eligible rural and suburban properties.
- 0% Down Payment
Refinancing
Lower your rate, shorten your term, or tap into your equity.
- Rate/Term Refi
THE PATH TO CLOSING
My 6-step roadmap from application to keys in 21-30 days.
Pre-Approval
Verification within 24 hours.
Submit docs online. Clear budget set.
House Hunting
Tour homes with confidence.
Find your dream home with instant budget updates.
Under Contract
Offer accepted and rate locked.
Inspections and appraisals finalized.
Underwriting
Math verification by the team.
Getting that final "Clear to Close" secured.
Closing Day
Get your keys.
Final paperwork signed. Welcome home!
WHY LOCAL MATTERS
Working with a Texas-based expert gives you a competitive advantage.
Direct Cell Access
No call centers. Direct access to Mike.
50+ Lenders
Multiple programs for your specific situation.
Local Broker vs Big Bank
Success Stories from Kingwood Buyers
Mortgage FAQ
Knowledge Base
MORTGAGE CALCULATOR
Estimate your monthly investment with precision