Why Adam Mortgage Company
Adam Mortgage, a mortgage broker in Houston, has a well earned reputation for quality and integrity. We finance residential properties in the State of Texas.
As a mortgage broker in Houston, we strive to provide the highest level of integrity and a genuine caring and concern for our customers. At Adam Mortgage, we believe that we are “The First Name in Service”.
We are a Houston mortgage company that takes a personalized, comprehensive and consultative approach to carefully guide all of our customers through the home buying and refinancing process.
We take many factors into consideration when suggesting the right loan and will analyze current and future monthly cash flow, as well as short and long-term financial planning goals.
Who We Are
Adam Mortgage was founded in 1994 by Owner & President, Kenneth G. Adam. As a Texas Licensed Broker, Adam Mortgage has a total commitment to the home buying community that is unique within the mortgage lending industry. That commitment includes a wide range of loan products, as well as a number of innovative, effective underwriting programs. Behind these invaluable products and programs, our experienced and dedicated people have the sincere desire to help you obtain your home financing.
Ken Adam, a native Houstonian, graduated from Stephen F. Austin State University with degrees in business management and marketing, has successfully originated and managed residential and commercial mortgage companies since college. He’s also been recognized as one of the top producing loan officers in the Houston Metropolitan area.
- Texas Licensed Mortgage Broker
- Over 25 years in the Mortgage Industry
- Texas Licensed Real Estate Broker
- Over 32 years in the real estate industry
- Home Builder – 4 years
- Commercial Developer – 5 years
- Specializing in the Self-Employed and 1st time homebuyers
- Greater understanding of New Home Construction
Call me and I will show you the service, experience, and professionalism we offer ALL our homebuyers at Adam Mortgage Company.
We are always flexible enough to cover all of your financial needs, whichever those might be. Regardless of whether you’re about to make a first-time home purchase or are trying to refinance your current loan, we’re here to help you!
We understand that financial situations, credit scores, and other financially-related things can vary… That is why we employ a flexible, person-centric approach to each individual client who comes for our fiscal help…
With so many mortgages and loans featuring interest rates that are just outright bad, we’re here to level the field. Thanks to our refinancing and home equity loan programs you’ll be able to take back the control of your finances!
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No matter what type of financing you are in need of our team can help. Take a look at the many different services we can assist you with and give us a call for a no risk 100% free consultation.
Q: What's a mortgage and why should I get it here?
A: A mortgage is basically a simple loan that allows you to buy a home or other property by securing the loan against the property you buy. You can read more about our taking a mortgage with us works by visiting our services page.
You can apply for a mortgage from a bank or other financial institution, such as a credit union, building society or specialist mortgage Borrower. We’re a credit union and a special financial institution. Although you can apply directly, using the advice of our independent mortgage specialists might help you find the deal that will be most beneficial for your money interests!
Q: What types of mortgages are there?
A: There are many different kinds of mortgage to choose from. All of them have varying features and benefits. Some of the more common types include:
- Standard variable rate (SVR) mortgages
- Fixed interest rate mortgages
- Tracker rate mortgages
Q: How much can I borrow for a mortgage?
A: This depends on a number of factors. Still, Borrowers are typically prepared to lend three times your salary or two-and-a-half times a joint salary.
They will also consider things such as any other source of income from a second job that you’ll prove to them, bonuses, tax credits, and maintenance payments and since lending rules were tightened, they also increasingly investigate borrowers’ ability to repay.
This means looking at your credit history and scoring it, just as well as on your monthly outgoings, examining not just how much you spend but what you spend it on, to help assess your ability to manage should interest rates rise.
Some providers will now offer four-and-a-half times your annual income – but the more you borrow in relation to your income, the more likely you are to fail MMR checks and to have your application to be declined.
Q: How much of a deposit do I need for a mortgage?
A: This will depend on your financial standing, the price of the property and your credit history…
Whilst ‘100% mortgages’ – where you can borrow 100% of the property’s value – have now almost entirely disappeared, it’s still possible to get a 95% mortgage, where you pay a deposit of 5% of the property’s value.
But many Borrowers ask for a 10% deposit or more, and many tend to save the best rates for borrowers with a deposit of 25%.
We review and accept business requests on a 24/7 basis.
Contact us now…
Tips for Home Buyers
We understand all the ups and downs of the home buying process. That means that we will supply you with as many tips on mortgages as possible!