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1st Mortgage Wholesale


We Want to Be Your Mortgage Lender!


Central Bank, founded in 1956, is the longest independently owned bank in the Houston area with four locations to serve you. We value the relationships with our customers and provide local underwriting decisions, prompt service, and competitive rates!

Become an approved broker or correspondent today!

Introducing TSAHC - Texas State Affordable Housing Corporation

TSAHC provides mortgage loans, down payment assistance grants, and mortgage credit certificates to eligible first- time home buyers through the several programs.

Click here to learn more about TSAHC.

Introducing SETH Goldstar - Homebuyer Assistance Program

Financial Assistance for Homebuyers in Texas - The Southeast Texas Housing Finance Corporation (SETH) recognizes that though many potential homebuyers can afford the monthly mortgage payments on a new house, they don’t have enough money saved up for the down payment. That’s why SETH offers Texas residents the Goldstar Program, which helps eligible applicants with down payment and closing cost assistance.

Click here to learn more about SETH Goldstar - Homebuyer Assistance Program

First Mortgage Portfolio Loan Highlights:

  • Wholesale/TPO/Broker and Correspondent loans available
  • 24 - 48 hour approvals for borrowers who need to close quickly
  • Loans for borrowers with high DTI, waiting to sell their current residence
  • Loans for borrowers who do not have a standard FNMA two-year income history
  • Loans for borrowers who are recently retired and have liquidity
  • Foreign Nationals
  • Common sense underwriting for those loans that are outside of "Agency Guidelines"
  • Scenario Review and Credit Approvals to purchasing property
  • Jumbo Loans up to $2,000,000
  • Jumbo 50a6 Loans
  • Competitive Rates
  • Delayed Financing
  • 5 & 7 Year ARMS

Certain restrictions apply. Rates, programs, guidelines subject to change without notice or at underwriter's discretion. Equal Housing Lender.


Heather Manuel-Palomo
NMLS 289910
SVP, Mortgage Lending Manager
832.485.2316


Latasha Flowers
NMLS 1816020
AVP, Mortgage Lending
832.782.5277