Your Trusted Texas Mortgage Partner – Fast Pre-Approvals & Personalized Home Loans
Serving Houston, Austin, Dallas, San Antonio, Corpus Christi, and all of Texas since 2008.
With just a click, getting pre-approved for your mortgage has never been simpler.
Our Services Across Texas
We proudly serve homeowners and buyers across Texas, including Houston, Austin, Dallas, San Antonio, and Corpus Christi.
Conventional Loans
A popular loan option for borrowers with a solid credit history and a stable income. These loans typically require a minimum down payment of 3% to 5%.
Best For: Buyers with good credit and stable income.
Benefits: Competitive interest rates, flexible terms (15, 20, or 30 years)
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FHA Loans
A government-backed loan offered by the Federal Housing Administration (FHA). These loans are ideal for first-time homebuyers and those with lower credit scores.
Best For: First-time buyers and those with less-than-perfect credit.
Benefits: Lower down payment (as low as 3.5%) and more lenient credit requirements.
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VA Loans
A loan program backed by the U.S. Department of Veterans Affairs (VA), designed for veterans, active-duty military members, and eligible surviving spouses.
Best For: Veterans, active-duty military, and their families.
Benefits: No down payment required, competitive interest rates, no private mortgage insurance (PMI).
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USDA Loans
A government-backed loan program offered by the U.S. Department of Agriculture (USDA) for rural and suburban homebuyers with low to moderate income.
Best For: Buyers in eligible rural or suburban areas.
Benefits: No down payment required, low interest rates, flexible credit guidelines.
Non-QM Loans
Non-Qualified Mortgage (Non-QM) loans are designed for borrowers who may not meet the strict criteria of traditional loans. These loans offer flexibility in income verification, making them ideal for self-employed or non-traditional income earners.
Best For: Self-employed individuals, real estate investors, and those with irregular income.
Benefits: Flexible income documentation, no strict debt-to-income (DTI) ratio requirements.
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Jumbo Loans
Loans that exceed the conforming loan limits set by the Federal Housing Finance Agency (FHFA). Jumbo loans are used for financing luxury or high-value homes.
Best For: Buyers purchasing high-priced or luxury homes.
Benefits: Allows financing for expensive properties, competitive rates for high-credit borrowers.
View detailsSimple, Fast, and Transparent – How It Works
1
Apply Online
Fill out a quick form to start the pre-approval process.
2
Get Pre-Approved
Receive an instant or same-day decision.
3
Close Quickly
Our team ensures a smooth and fast closing process.
Where every loan leads to a new beginning.
✽ What We Offer
Why Thousands of Texans Trust ZAPA Mortgage
Local Expertise
We know the Texas real estate market inside and out.
Our deep understanding of local markets, including Houston, Austin, Dallas, San Antonio, and Corpus Christi, allows us to offer loan options that best fit your needs.
Personalized Solutions
We offer loan options tailored to your unique financial situation.
Whether you're a first-time buyer, self-employed, or looking to refinance, we provide customized loan programs designed just for you.
Fast Pre-Approvals
Apply online and get pre-approved in minutes.
Our streamlined process ensures you can make an offer with confidence, thanks to our quick pre-approval decisions.
Competitive Rates
We help you secure some of the most competitive mortgage rates in Texas.
By working with multiple lenders, we ensure you get the best possible rate for your loan, saving you money in the long run.
Exceptional Service
Our experienced team is with you every step of the way.
From application to closing, we provide hands-on support to make the mortgage process as smooth as possible.
Wide Coverage
Serving Houston, Austin, Dallas, San Antonio, Corpus Christi, and all of Texas.
No matter where you are in Texas, ZAPA Mortgage is ready to help you achieve your homeownership dreams.
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One of the best experience of my life dealing with Zapa Mortgage. They know what they’re doing, I would highly highly recommend anyone and everyone who’s looking to buy a home. Very professional team, Special thanks to Edi, Saif and Hamza. Thank you for making our home buying experience the best and easiest to remember for life. May you guys succeed in life way more, best wishes and prayers for the Team. 🙏🏻🥰
I had an outstanding experience with them, specifically Saif, Hamza and Edi bhai. Their expertise and professionalism were evident from the start. They guided me through the entire process with ease, ensuring I understood every step. They secured a fantastic mortgage rate that exceeded my expectations. I highly recommend their excellent services to anyone seeking a mortgage.
Great and dedicated team of professionals who care and work fast. I as a realtor highly recommend Zapa Mortgage!
Hamza and Edi bhai are a great team. They ensure to get the job done and will be by your side until the very end. This is my 3rd loan with them and I am very pleased with their work. They are the best in the market!
Hamza and the team were super helpful! Amazing work got my home loan done in 14 days which is unheard off. Super responsive and respectful, highly recommended!
It was a great experience. I had a very busy schedule but Edi, Saif, Syed and their team worked expeditiously to help me achieve the fastest closing with the best rate in the market, always stayed on top and helped understand and meet lenders requirements in a timely and effective manner. Much appreciate!
I am very happy to work with Zapa Mortgage team very sincerely and hardworking team especially hamza Bahi and Edi Shaikh Shahab also thought a lot. They did my loan work on time, and now i am very happy to my new home. I say the best mortgage company is this Thanks to Zapa Mortgage Team
The team is super, every single person in Eddie sir team is very educated and guided me and my client the whole process of mortgage. Zapa Mortgage is great, as an agent highly recommends it to my every single client.
It was an excellent experience working with Zapa team, everything was smooth and kept me posted throughout the entire process, Hey went above and beyond and we closed on everything before the anticipated date, definitely recommended. Look no further than Zapa mortgage.
The staff was very friendly and patient with us while also educating us throughout the process of the mortgage. They were also able to solve any problems we were having. I would definitely recommend them as brokers.
We have very good experience with Zapa Mortgage, especially Abdullah Edi, Usha & Nida. They are very Professional and Quick to respond. This was my first home purchase; we didn’t know much about the process, but they made it very easy to understand things. It was a great experience! Highly Recommended!
Wonderful experience as always. It’s been couple of years working with Zapa mortgage. Brother Edi & his team will work tirelessly for their clients.
Wonderful experience as always. It’s been a couple of years working with Zapa mortgage. Brother Edi & his team will work tirelessly for their clients.
Hi, my name is Ali. I am very happy to work with Zapa Mortgage team very sincerely and hardworking team, especially Usha Ji and Edi Shaikh Shahab. They did my loan work on time, and now i am very happy in my new home. Thanks to Zapa Mortgage Team.
Thank you, Zapa mortgage team, for a smooth process. Specially Noman, who was always there for any questions. Highly recommended!
I had a wonderful experience with ZAPA. Especially Edi and team Polaris. They helped a lot in mortgage stages and easing in my home buying experience.
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We’re here to help you navigate the home financing journey with ease and confidence. Whether you're a first-time homebuyer or looking to refinance, our dedicated team is ready to provide personalized support tailored to your needs.