All Houston Loans Near Me

Secured Loans (Backed by an Asset):

Mortgage Loans in Houston

Description: Typically long-term loans with fixed or adjustable interest rates. Used to purchase real estate (homes, land, etc.). The property itself serves as collateral.

Home Equity Loans in Houston

Description: Allow homeowners to borrow against the equity they’ve built up in their homes. Often used for home improvements or debt consolidation; the home is used as collateral.

Home Equity Lines of Credit (HELOCs)

Description: A revolving credit line secured by a home's equity. Similar to a credit card but uses a home’s equity as collateral; allows for flexible borrowing and repayment.

Auto Loans in Houston

Description: Used to purchase a car, truck, or other vehicle. The vehicle itself serves as collateral. Typically shorter-term loans with fixed interest rates; the lender holds a lien on the vehicle.

Secured Personal Loans in Houston

Description: Personal loans backed by an asset, such as a savings account, certificate of deposit (CD), or other valuable property. These loans often have lower interest rates than unsecured personal loans because they are less risky to the lender.

Unsecured Loans (Not Backed by an Asset):

Unsecured Personal Loans in Houston

Description: Loans made to individuals based on their creditworthiness. No specific collateral is required. Used for various purposes, such as debt consolidation, medical bills, or home improvements. Interest rates are typically higher than secured loans.

Student Loans in Houston

Description: Loans used to finance education expenses (tuition, fees, room and board). Can be federal or private; often have specific repayment terms and deferment options.

Credit Card Loans (Cash Advances) in Houston

Description: A form of borrowing against a credit card’s available credit limit. Usually come with very high interest rates and fees, and should be used sparingly.

Payday Loans in Houston

Description: Short-term, high-interest loans typically due on the borrower’s next payday. These loans are often for very small amounts, and they are extremely costly due to high fees, interest, and short repayment terms. These are best avoided in most circumstances.

Specialized Loans:

Small Business Loans in Houston

Description: Loans provided to small businesses for various purposes (start-up costs, equipment, operating expenses). Can be secured or unsecured; often require detailed financial information from the borrower.

SBA Loans in Houston

Description: Loans guaranteed by the Small Business Administration, designed to help small businesses get financing. Typically have favorable terms, and can be used for various purposes.

VA Loans in Houston

Description: Mortgage loans guaranteed by the Department of Veterans Affairs for eligible veterans and service members. Often have no down payment requirements and may offer more favorable terms than conventional mortgages.

FHA Loans in Houston

Description: Mortgage loans insured by the Federal Housing Administration, designed to help first-time homebuyers. Often have lower down payment requirements, and are easier to qualify for than some conventional loans.

USDA Loans in Houston

Description: Mortgage loans backed by the U.S. Department of Agriculture, for eligible rural and suburban homebuyers. Intended to help low and moderate-income borrowers purchase homes in eligible areas.

Other Credit Products:

Lines of Credit in Houston

Description: A flexible loan that allows you to borrow funds up to a specified limit, repay, and borrow again. Can be secured (HELOC) or unsecured (personal line of credit); interest is only charged on the amount borrowed.

Installment Loans in Houston

Description: Loans repaid over a set period with regular payments (mortgages, auto loans, and some personal loans). Often have fixed interest rates and predictable payment schedules.

Corporate Bonds in Houston

Description: Corporate bonds do not belong to the category of “loans” in the way we typically think of personal or bank loans. Instead, corporate bonds represent a form of debt financing where investors are essentially lending money to a corporation.