Welcome To Lucky Home Loans | Your Trusted Texas Mortgage Lender

Lucky Has A Loan For Every Home

Let Lucky, a trusted home loan officer in Texas and also licensed in multiple states – with three decades of experience in the service industry, evaluate your monthly income and debts to help you choose the right loan option for you and your family. 

Over 100+ Reviews
Years of Professional Experience
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Happy Clients
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Loans Disbursed
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Office Hours

Mon-Sat (8:00 am - 8:00 pm)

Email Lucky

Lucky.Buxton@Home.com

Lucky's Team Line

(713) 234 0151

READY TO GET STARTED?

Meet your Loan officer Lucky Buxton

Live your American Dream!

Hi, meet Lucky, your trusted local mortgage lender in Texas. Be your partner in building wealth for you and your loved ones. As #1 in mortgage origination customer satisfaction, Lucky is not just a mortgage loan officer in Texas but also a loan strategist dedicated to helping you live your American Dream!

200+

Home Purchased

1200+

Approved Loans

Testimonials

What clients say about us

Lucky Can Help You

Loan Programs We Offer

First-Time Home Buyer Loans

Affordable, flexible loan programs for first-time buyers in Texas — low down payments, competitive rates, and expert guidance to help you own your dream home.

Simplify construction financing with a one-time close loan — combine construction and mortgage into one, saving time and reducing closing costs.

First Responders Loans

Special rates and exclusive benefits for police, firefighters, EMTs, and paramedics — get the recognition you deserve when buying a home.

Conventional Loans

Flexible conventional home loans with competitive rates, customizable terms, and down payment options tailored to your goals.

FHA Loans

FHA-backed loans with low down payments, flexible credit guidelines, and competitive rates – perfect for buyers with limited savings.

VA Loans

Exclusive home loans for veterans and military families – zero down payment, no PMI, and competitive rates for an affordable path to homeownership.

1099/ Self-Employment Loans

Mortgage solutions for self-employed individuals and freelancers – qualify using alternative income documentation, no traditional pay stubs needed.

Bank Statement Loans

Qualify using bank statements instead of tax returns — simplified income verification with flexible approval for self-employed borrowers.

Investment/DSCR Loans

Grow your real estate portfolio with DSCR loans qualified on property cash flow — ideal for investors purchasing or refinancing rentals.

Doctor / Physician Loans

Exclusive loan programs for medical professionals — low/zero down payment, flexible DTI requirements, and competitive rates.

Renovation Loans

Combine your home purchase or refinance with renovation costs in one loan — finance upgrades from kitchen remodels to major repairs.

Jumbo Loans

Finance high-value properties above conventional limits with competitive rates, flexible terms, and personalized service for luxury homes.

Cash-out/ Refinance Loans

Unlock your home equity with a cash-out refinance — replace your mortgage and use the difference for renovations, debt consolidation, or major expenses.

ITIN Loans

Homeownership without an SSN — ITIN loan programs offer flexible documentation for borrowers with an Individual Taxpayer Identification Number.

Down Payment Assistance Program

Reduce upfront homebuying costs with grants, low-interest loans, or deferred payment options through our Down Payment Assistance Program.

Debt Consolidation Loans

Use your home equity to consolidate high-interest debts into one manageable monthly payment with lower interest rates.

Solar Grants Loans

Make your home energy-efficient with Solar Grant programs – finance panel installation, reduce utility costs, and increase property value.

Reverse Mortgage Loans HECM

For homeowners 62+, convert home equity into cash with no monthly mortgage payments – greater financial freedom in retirement.

Welcome To Lucky Home Loans | Your Trusted Texas Mortgage Lender

Processes

How is Lucky Home Loans Different?

Lucky Home Loans, a trusted mortgage loan officer in Texas, lets you choose the most competitive mortgage solutions that work for your budget, working closely with your financial consultant and CPA. As a dedicated Texas mortgage lender, our goal is to make home-buying hassle-free for you and provide you with the most outstanding customer service.

FAQ’s

Helpful "DOs" When Applying for a Mortgage

Keep Originals

Keep originals or be able to access on your employer/bank websites all pay stubs, bank statements and other important financial documents.

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