i.
Conventional
Fixed and adjustable-rate financing for primary residences, second homes, and investment properties. The most flexible, broadly underwritten path for buyers with established credit and reserves.
The Mortgage Tree is an independent brokerage built on a simple idea — that the right loan, in the right hands, opens a door no algorithm can. Misty Jones has personally written that story for thousands of clients across the Greater Houston area since 1999.
Misty Jones founded The Mortgage Tree after more than two decades inside the country's largest lenders. She left the corporate model for a reason. Big banks sell products. Brokers solve problems. And every family who walks through her door deserves the second one.
Today she serves clients from the first-time homebuyer staring at a credit report to the growing family buying a bigger house, 2nd Home or Investment property purchases, couples downsizing, and retirees refinancing the home they raised a family in. You name it, she's done it.... and that experience will serve you well. Her specialties are FHA, VA, USDA, and Conventional financing, but if it's a loan available in Texas, she can do it. And her promise to every borrower is the same: clarity, transparency, and a phone that she answers herself.
The brokerage has since extended into a second generation. Misty's daughter, Britney, joined The Mortgage Tree as a licensed loan officer after graduating from Texas Tech University. Nearly three decades in, the specialized service that's defined the brokerage now arrives — quite literally — from their family to yours.
As an independent broker, The Mortgage Tree shops dozens of wholesale lenders to match you with the loan structure, rate, and term that actually serves your situation — not the one that pays a banker the highest commission.
Fixed and adjustable-rate financing for primary residences, second homes, and investment properties. The most flexible, broadly underwritten path for buyers with established credit and reserves.
Government-backed loans built for first-time buyers and credit profiles that need a more forgiving framework. Down payments as low as 3.5% and approachable qualification standards.
The benefit you earned. Zero down, no PMI, and entitlement that can be reused across a lifetime — most lenders never explain how. Misty does, and her work in the Vetted VA community proves it.
Rural-area financing with no down payment for qualifying borrowers and properties — a quiet, often-overlooked option for buyers in the outer Houston-Galveston counties.
Non-Qualified Mortgage financing for borrowers who don't fit the standard W-2 mold. Self-employed business owners, real estate investors, gig-economy earners, and clients with complex income profiles — qualified through bank statements, P&Ls, or asset-based documentation rather than tax returns alone.
Loans for clients building from the ground up. Short-term financing during the build with funds drawn as milestones complete, then converted to a permanent mortgage at move-in — one transaction, one closing, fewer surprises.
Purchase-and-renovate or refinance-and-renovate financing rolled into a single loan. For buyers eyeing a home that needs work, or owners adding square footage to the home they already love. Funds the purchase and the project together.
Financing for the lot or land before the home goes up. Different underwriting from a residential mortgage and frequently the first step of a construction project — Misty handles the sequence so the land deal lines up cleanly with what comes next.
The borrower changes; the work doesn't. We sit with you, run the numbers, and tell you the truth about what the next chapter looks like.
Credit, down payment, debt-to-income — translated into plain English. We start where you are, not where a textbook says you should be.
Start HereActive duty, veteran, surviving spouse. We handle entitlement reuse, multi-property strategy, and the rules other lenders quietly get wrong.
Use Your BenefitBigger house, growing family, equity to deploy. Bridge financing, rent-back strategies, and clean closings that don't strand you between houses.
Plan the MoveLower the payment, shorten the term, pull equity for a second home — or simply restructure for the next decade. Decisions made carefully.
Run the NumbersPre-approvals when you need them, communication you can count on, and closings that actually close. We make the agent look good.
Partner With UsBorrowers don't want a mortgage experience. They want their house. Everything else is friction — and our job is to remove it.— Misty Jones, Broker / Owner
Every photo below is a closing day — a Texas family at the title company, holding the key to a home The Mortgage Tree helped them finance. The wall keeps growing.
Twenty-seven years of business in one Texas market doesn't come from advertising. It comes from clients who, once closed, send the next one through the door.
We start with a phone call — no application, no pressure. Tell us where you are and where you want to go.
A real review of credit, income, and assets. You'll know exactly what you qualify for before you fall in love with a house.
We shop wholesale lenders and present the structure, rate, and term that actually fits — with the numbers in writing.
Communication every step from underwriting to keys. The kind of clean close every photo on the wall above started with.
The fastest path is a phone call. The most thorough is the form to the right — Misty will personally review it and respond, usually within the same business day.