Business Details
25 Years
experience
Your Trusted Houston Mortgage Broker
Flagstone Mortgage has been serving Houston homeowners since 2001, combining over 85 years of collective expertise with a concierge lending approach. Founded on principles of professionalism, respect, honesty, and fairness, our team specializes in jumbo and super-jumbo mortgages, leveraging deep financial backgrounds to tailor solutions for each client. We prioritize education and personalized service, ensuring every client receives direct communication with experts like President Darren Smith, a CPA and MBA holder.Recognized by industry peers and regulatory authorities, our repeat and referral-based business model reflects our commitment to trust, transparency, and long-term client relationships. With a focus on seamless processes and competitive rates, we guide clients through preapproval, property search, underwriting, and closing, ensuring a stress-free path to homeownership or refinancing.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
Jumbo Loans
Refinance Options
Home Equity Loans
Reverse Mortgages
Construction Loans
Non-QM Mortgages
Details
- Year established: 2001
Highlights and features
- We offer a concierge lending approach with personalized service from experienced loan officers.
- Direct communication with experts like Darren Smith, CPA, for tailored mortgage solutions.
- No call centersensuring accountability and human-centric service throughout the process.
- 85+ years of combined experience in navigating complex mortgage scenarios and underwriting.
- Over 95% of our business comes from repeat clients and referrals, reflecting our trustworthiness.
What people say
Smooth process
Responsive team
Competitive rates
Personal attention
Stress-free closing
Services
Conventional Loans
Conventional loans offer fixed or adjustable rates for borrowers with strong credit. These mortgages adhere to Fannie Mae and Freddie Mac guidelines, providing stability and predictable payments. Ideal for home purchases or refinancing, they require down payments as low as 3% and are suited for long-term homeownership.
FHA Loans
FHA loans provide low down payments (3.5%) and flexible credit requirements for first-time buyers. Insured by the Federal Housing Administration, they enable accessible homeownership with competitive rates and seller-paid closing costs, ideal for those building equity in Texas markets.
VA Loans
VA loans offer zero down payment options and subsidized rates for veterans and active-duty members. Backed by the Department of Veterans Affairs, these mortgages provide full financing up to $726,200, ensuring accessible homeownership with no mortgage insurance requirements.
Jumbo Loans
Jumbo loans finance luxury or high-priced properties exceeding conforming limits. Tailored for Texas homebuyers needing amounts over $726,200, these mortgages feature competitive rates and rigorous underwriting, ensuring flexibility for premium real estate investments.
Refinance Options
Refinance solutions lower rates, shorten terms, or unlock home equity. Options include conventional, VA IRRL, FHA streamline, and cash-out refinancing, designed to reduce costs, consolidate debt, or fund home improvements with personalized guidance.
People
Darren Smith
President
Darren Smith, CPA and MBA holder, leads Flagstone Mortgage's commercial lending division. With 20+ years of experience, he specializes in complex tax returns and jumbo mortgages, ensuring clients receive tailored financing solutions.
Jaqui Butler
Processing Manager
Jaqui Butler oversees loan processing with precision, leveraging her real estate brokerage background to streamline transactions. Her expertise ensures efficient, error-free mortgage closings for Houston clients.
Pat Rutledge
Loan Officer
Pat Rutledge provides expert guidance on mortgage options, specializing in client education and personalized loan structuring. With deep local market knowledge, he simplifies the homebuying process for Texas residents.
Brian Jordan
Senior Loan Officer
Brian Jordan delivers responsive service and mortgage expertise, focusing on transparent communication and client satisfaction. His experience ensures seamless loan approvals and competitive financing solutions.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA, jumbo, refinance, home equity, and reverse mortgages, tailored to meet diverse financial needs and homeownership goals.
How can I qualify for an FHA loan in Texas?
FHA loans require a minimum 3.5% down payment, credit score of 620+, and primary residence use. We guide clients through streamlined qualification processes.
What are the benefits of refinancing with Flagstone Mortgage?
Refinancing can lower monthly payments, shorten loan terms, or access home equity. Our experts analyze your situation to secure competitive rates and quick closings.
How does your concierge lending approach work?
Our concierge service provides direct access to loan officers, personalized guidance, and proactive communication throughout the mortgage process, ensuring a seamless experience.
Can I get a mortgage with a low credit score?
Yes. We specialize in FHA loans for lower credit scores and jumbo loans for high-value properties, leveraging flexible underwriting to meet unique financial situations.
