Steve Kyles & Stephanie Kyles are:
HOUSTON’S TRUSTED MORTGAGE BROKERS
We make financing simple and stress-free, so you avoid costly delays and move forward with confidence
Backed by 20+ years of experience and more than 35 lenders tailored to meet your needs
281-701-4521
We help you build a clear mortgage plan and understand your numbers, options, and the best path forward.
We work through the details on the front end to make sure you’re in position to win and have the local competitive advantage.
Clear communication, agent coordination, and closing on time every time.
“Steve, Stephanie… THANK YOU. THANK YOU. THANK YOU. I really appreciate you all working so hard to get my closing done on my house. I feel like I got a great deal. You know I’ve said it a thousand times—but you guys are the best. Your customer service is like no other. I will continue coming to you all in the future. You rock!”
“This team is AMAZING! My husband and I just bought our first house. Steve and his team were so kind, helpful, efficient, and knowledgeable. The team was always available to answer our questions. Their compassion and understanding of us being first-timers was very appreciated. We will recommend them to anyone who will listen. You would be silly NOT to use this amazing group of people.”
“The Steve Kyles Team is awesome! They genuinely love people and are honestly in the business of being life-givers that happen to do loans. There isn’t another team or business out there like them. If you want a great experience in buying a home or refinancing, go with the Steve Kyles Mortgage Team.”
“Steve and the team were efficient with my time and helped our family receive a better interest rate at closing. The process is organized and better than I expected. Professional, organized and efficient.”
“Steve and his team were excellent throughout the process. They knew exactly how to guide me. Sound advice, savvy and compassionate. Thank you!!”
“A great team. They worked together well to my benefit. Their communication and response time were better than expected. I would use Steve and his team again and plan to.”
We’ve helped thousands of families across Greater Houston make smarter mortgage decisions.
From Katy to Fulshear, Sugar Land to Galveston, our reputation is built on strategy, service, and speed.
Buying a home in Houston doesn’t have to be overwhelming. Our free guide walks you through credit prep, down payment strategies, and how to avoid costly mistakes… so you can move forward with clarity and confidence.
Download your free guide now and take the first step toward homeownership.
According to the Houston Association of Realtors, Houston currently has 5.2 months of inventory… giving buyers more choices and more negotiating power. With more homes on the market, buyers can secure concessions such as seller-paid closing costs or rate buydowns that weren’t possible two years ago.
You can buy a home in Houston with as little as 3% down for Conventional loans or 3.5% down for FHA. VA and USDA loans allow 0% down if eligible.
Most loan programs require a minimum credit score of 580 for FHA, but a 620 or higher opens the door to Conventional loans with better terms.
FHA loans are great for lower credit and smaller down payments. Conventional loans reward stronger credit with lower PMI.
Yes… buyers may qualify for programs like TSAHC, the City of Houston HAP, and MCC tax credits. These can reduce cash needed at closing.
Let’s build your mortgage plan with clarity, speed, and confidence.