Main Content
Select the search type
  • Site
  • Web


Business mortgage First Mortgage banner image

First Mortgage Wholesale


Skip Text

Offering a Range of Mortgage Loans in Houston

Mortgage loans don’t have to be complicated. As the longest-serving independent bank in Houston, Central Bank takes pride in providing a wide range of mortgage products on our Wholesale and Mini-Correspondent channel that our friends and neighbors can trust. With competitive rates and underwriting carried out locally, from our banks in Houston, you can take comfort knowing you’ll have a thoughtful decision in no time. Our standing as a community bank means we regard you as more than a number. You are, first and foremost, our neighbor. Our financial experts work hard to develop lasting relationships with those we serve, and to provide a custom-tailored experience to meet their needs. From first mortgage portfolio loans, to second lien mortgages and everything in between, Central Bank is centered around you.

First Mortgage Portfolio Loan Highlights Include:

  • Wholesale/TPO/Broker and Correspondent Loans Available
  • 24- to 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 Loans Outside Of "Agency Guidelines"
  • Scenario Review and Credit Approvals to Purchasing Property
  • Jumbo Loans Up To $2 Million
  • Jumbo 50a6 Loans
  • Competitive Rates
  • Delayed Financing
  • 5- and 7-Year ARMS

Please Note: Certain restrictions apply. Rates, programs and guidelines are subject to change without notice, or at underwriter's discretion. Equal housing lender.

Learn More About Central Bank’s Options: Commercial Mortgage Loans Offered on Our Wholesale Channel

Texas State Affordable Housing Corporation (TSACH)
The TSACH provides mortgage loans, down payment assistant grants and mortgage credit certificates to eligible first-time homebuyers. Assistance for these individuals, many of whom fall into the low-income spectrum or are otherwise underserved, is available through several programs.


Southwest Texas Housing Finance Corporation (SETH) GoldStar Homebuyer Assistance Program

SETH recognizes that, although 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. Available to eligible Texas applicants, the GoldStar program offers homebuyers assistance with down payments and closing costs.

Learn More About SETH GoldStar

Meet the Team Behind Our Wholesale and Mini-Correspondent Channel


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


Latasha Flowers
NMLS #1816020
AVP, Mortgage Lending


You are leaving Central Bank's website.

The website you have selected is an external one located on another server. Central Bank has no responsibility for any external website. It neither endorses the information, content, presentation or accuracy nor makes any warranty, express or implied, regarding any external site.

Thank you for visiting Central Bank's website.


Unsecure Email Disclosure

Your privacy is very important to us. We would like to advise you that internet email is not a secure method of communication. Please do not submit any information that you consider confidential. We recommend you do not include any specific identifying information such as your Social Security number, account number, PIN numbers, date of birth, etc.


Affiliate Website Notice

By clicking Continue, you will be taken to our affiliate's website. Products and services offered shown will be provided by our affiliated entity. Some products offered may not be FDIC insured. Please read the privacy and security policies on our affiliate's website. In some instances, these policies may differ from those of FIS 2020.