I am pretty CONFIDENT that we can offer you the best rate. We are NATIONAL direct lenders and specialize in FHA & VA loans. BUT, if you are putting 20% down, I would suggest you not go FHA since you will have to pay Mortgage Insurance. Either way, your rate will be in the LOW 4's. Shoot me an email so that I may get you approved and into your home. Thanks.

Please feel free to contact me at 713-256-9138 to discuss your options and rates. If you don't choose to call me please remmed to evaluate the entire loan package not just the rate. Best regards,Chris Kelso

I don't do loans in Texas, so I'm just giving you two pieces of advice instead of convincing you to work with me. One, with 20% down and a 720 credit score, you should do a conventional loan to avoid the mortgage insurance; only consider the FHA loan if you are putting less down (probably no more than 15%). Second, definitely look at the overall situation and your plans for the house; the "best rate" is rarely the best strategy...seek out someone who will give you the best advice for a fair price. Equate it to your own job...just because someone might do it for less, doesn't mean they do it as well as you, and that doesn't necessarily mean you're overpaid. Do you really want to hire the "cheap" person to help you with a large financial decision?