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Welcome to C&T Mortgage, Inc, I'm Stephanie Drewry, your Texas home loan expert dedicated to making sure your home purchase or refinance experience is top-notch.

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Stephanie Drewry

Stephanie Drewry

Mortgage Advisor
NMLS# 1565232

(713) 628-5864 Email Me

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Real Customer Experiences

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Current

Texas

Mortgage Rates

FHA Loans

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Last Updated: 9/24/2023

Conventional Loans

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Last Updated: 9/24/2023

VA Loans

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Last Updated: 9/24/2023

All mortgage rates displayed are provided by Zillow based on borrowers with credit scores between 680-740 and represent averages and trends. Please consult with Stephanie Drewry to receive a personalized rate for your specific situation.

  • Stephanie is one of the most customer focused mortgage professionals you will find. The Mortgage process is rigorous and navigating though it efficiently requires a high level of attention to detail and someone who truly cares. Stephanie is tops in both regards. She communicates often, meets timelines and explains the process in detail at every… Mitchell Kowen - September 26, 2022
  • Stephanie was on top of everything she went above and beyond to insure that this was a stress free experience for me. She is very Knowledgeable and it’s obvious to me that she has lots of experience. Very friendly and a joy to work with. Joey Scott - June 21, 2022
  • My wife and I closed a house with Stephanie Drewry and C & T Mortgage Inc in May 2022. It was a great experience, especially given the difficult housing and mortgage market conditions in 2022. Stephanie was always ready to answer our questions and help our real estate agent and us through house hunting, making… Hesam Shahriari - June 21, 2022
  • Excellent communication and efficiency Aaron Pierce - April 22, 2022
  • My husband and I chose Stephanie Drewry over other mortgage lenders because of her willingness to work with us. She offered competitive rates to our satisfaction. She was very professional and has an open door policy to speak with her. We had several questions throughout the loan process and she was able to address them,… Joyes Bhatia - April 18, 2022
  • Stephanie is amazing. She is so knowledge and works for you to get it done. In selling our home and dealing with the buyers lender, it became apparent how hard she worked for us and in the Austin market in a 6 day option period. She scheduled and handled the appraisal in a very busy… Kerrie H - November 15, 2021

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Rating ∙ Reviews on Zillow

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Loan Type
Loan Purpose
Loan Program

Mortgage services provided by - Texas Texas

Rating ∙ Reviews on Zillow

m/d/Y

Loan Type
Loan Purpose
Loan Program

Mortgage services provided by - Texas Texas

Mortgage Calculators

Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.

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5%

1%

5%

0%

$
$

$1421

Monthly Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Monthly PMI $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.

$

5%

1%

5%

$
$

$1421

Monthly FHA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Up-Front MIP (1.75%)$0

Monthly Mortgage Insurance $0

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!

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0%

4.5%

1%

$
$

$1421

Monthly VA Payment

Principal & Interest $1421

Monthly Taxes $1421

Monthly HOA $1421

Monthly Insurance $1421

Purchase Price $1421

VA Funding Fee $1421

Amount Financed $1421

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Curious about refinancing your home in Texas? Now may be the right time to start saving money every month!

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%
months
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%
months
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Refinancing could save you

$/month

New monthly payment $

Refinance fees $

Lifetime Savings $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.

Not sure how much of a home you can afford? Enter your personalized information below to get a good ballpark figure of the type of home you can afford today!

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$
$
$
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%

You can afford up to

$

Monthly Payment $

Principal & Interest $

Tax $

Insurance $

*Hypothetical monthly mortgage payments reflect hypothetical Principal, Interest, Taxes, Insurance, and Home Owners Association dues amounts. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer. **This does not constitute tax advice.
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Contact Stephanie Drewry

Stephanie Drewry

16718 House Hahl Rd. Ste H
Cypress, Texas 77433
(713) 628-5864
(832) 220-1480
NMLS# 1565232
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