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 For over three decades, HomeTrust Mortgage Company has been committed to providing top-level service to our customers and referral partners. From our corporate offices in Houston, TX, to our numerous branch locations across the country, we are proud to say we live where we lend. At HomeTrust Mortgage Company, we are dedicated to helping you find the best loan product for your needs. Whether it's Conventional, FHA, VA, USDA, Jumbo, Renovation or Down Payment Assistance Loans, we will guide you through every step of the process.


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Home Purchase
Home Purchase
Home Refinance
Home Refinance

What Clients Are Saying About Us!

Reviews
4.94
Ratings
10,684
Total Reviews
5
90.06%
4
8.7%
3
0.66%
2
0.13%
1
0.3%
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Rating
05
  • M
    Max O 
    Albuquerque - NM
    Posted on April 1st, 2025 02:48 PM
    5.0
    for
    Chris Hood
    Encompass
    Chris was very communicative and always made sure we understood what was going on every step of the way. Chris was very prompt at responding to emails and moving the process along.
  • R
    Roberto P 
    Dumas - TX
    Posted on April 1st, 2025 11:52 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Muy contento muy buena experiencia
  • M
    Martha M S 
    Albuquerque - NM
    Posted on April 1st, 2025 09:45 AM
    5.0
    for
    Robert Key
    Encompass
    Robert is very personable and answered our questions. We liked getting the timeline.
  • A
    Amy C 
    Albuquerque - NM
    Posted on April 1st, 2025 08:51 AM
    5.0
    for
    Chris Hood
    Encompass
    Chris was extremely communicative and responsive. He walked us through our first home buying experience and explained every step. We couldn't be happier with the information we received and how quickly we were able to communicate.
  • D
    Dennis M 
    Amarillo - TX
    Posted on April 1st, 2025 06:30 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Tim is very helpful knowledgeable and will answer you day or night
  • S
    Sara E 
    La Grange - TX
    Posted on April 1st, 2025 06:29 AM
    5.0
    for
    Donald Wasson
    Encompass
    Don is always pushing us and everyone involved (in a friendly way) to get everything complete for closing, we have used him to purchase multiple properties and have never been disappointed.
  • D
    Devon A D 
    Albuquerque - NM
    Posted on April 1st, 2025 06:04 AM
    5.0
    for
    Robert Key
    Encompass
    Robert and his team were informative and had great communication during the process!
  • K
    Korrie M T 
    Anderson - TX
    Posted on April 1st, 2025 06:02 AM
    5.0
    for
    James Hadley
    Encompass
    James is friendly and personable
  • J
    Jacques C 
    Hutto - TX
    Posted on March 31st, 2025 06:11 PM
    5.0
    for
    Robert Merrell
    Encompass
    Robert was fantastic. He went out of his way to find us the best possible deal and worked hard for us throughout. He was always there to answ any questions we had regardless of the time or day. He even met us at our closing to congratulate us and gave... read more
  • J
    Jennifer V S 
    Albuquerque - NM
    Posted on March 31st, 2025 12:45 PM
    5.0
    for
    Chris Hood
    Encompass
    Chris was always available whenever we had questions and was very thorough and clear with his answers. We felt he was honest and vety knowledgeable.
  • C
    Christopher E 
    La Grange - TX
    Posted on March 31st, 2025 06:55 AM
    5.0
    for
    Donald Wasson
    Encompass
    Don was great
  • T
    Tyler G 
    Albuquerque - NM
    Posted on March 29th, 2025 03:05 PM
    5.0
    for
    Gene Scanlon
    Encompass
    Gene was absolutely amazing. From answering all our questions to checking in to make sure we were ok. It was an amazing experience working with Gene and will be recommending him to all my friends.
  • O
    Omar H 
    Posted on March 29th, 2025 08:38 AM
    5.0
    for
    Timothy Futrell
    google
    Timothy Futrell has received a review with 5.0 star rating from Omar H
  • O
    Omar H H 
    Amarillo - TX
    Posted on March 29th, 2025 08:38 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Great advice and upfront about everything
  • W
    Williams T 
    Posted on March 29th, 2025 05:33 AM
    5.0
    for
    Morgan Smith
    facebook
    ""Sherry was very professional" Outstanding customer service, went out of her way to make sure my clients got the best loan product at the cost effective deal possible; explained, answered all questions when needed. Will always recommend Sherry!!"
  • J
    Jacqueline G 
    Amarillo - TX
    Posted on March 28th, 2025 07:50 AM
    4.5
    for
    Timothy Futrell
    Encompass
    Not at this time
  • T
    Tina H 
    Buffalo - TX
    Posted on March 28th, 2025 06:44 AM
    5.0
    for
    Chuck Lynn
    Encompass
    Chuck and Hometrust Mortgage were so easy to work with and made our home buying experience great!
  • R
    Rhonda K R 
    Deer Park - TX
    Posted on March 28th, 2025 06:12 AM
    5.0
    for
    Russell Preston
    Encompass
    Russell makes the experience so easy and friendly, I enjoyed working with him, he is very helpful and knowlegeable of his job and I will recommend him to anyone that needs financing in the future. Rhonda Rogers
    Reply from
    Russell Preston
    March 28th, 2025 07:06 AM
    Thank you for the kind words Rhonda. I hope you all enjoy your beautiful new home and look forward to meeting up with you again soon.
  • K
    Kayla L M 
    Albuquerque - NM
    Posted on March 28th, 2025 06:05 AM
    5.0
    for
    Joshua Hood
    Encompass
    Josh was very kind, knowledgeable, and quick to answer any questions we had. We appreciate his diligence and positive demeanor and would recommend him to anyone needing assistance.
  • J
    Janice S 
    Huffman - TX
    Posted on March 27th, 2025 08:19 AM
    5.0
    for
    Chuck Lynn
    Encompass
    Chuck made the whole experience easy ...he is a delight to work with.
  • H
    Hunter J H 
    Lucedale - MS
    Posted on March 27th, 2025 07:46 AM
    5.0
    for
    Tracy Schruck
    Encompass
    Tracy was a great loan agent and continued great service even when my loan agent left the company in the middle of the process
    Reply from
    Tracy Schruck
    March 27th, 2025 08:13 AM
    Thank you! It was my pleasure.
  • J
    Julio P 
    Posted on March 27th, 2025 07:45 AM
    5.0
    for
    Timothy Futrell
    google
    Timothy Futrell has received a review with 5.0 star rating from Julio P
  • J
    Julio C P 
    Dumas - TX
    Posted on March 27th, 2025 07:45 AM
    5.0
    for
    Timothy Futrell
    Encompass
    Communication was on point and prosecess went really smooth
  • J
    Juan N J 
    Garden Ridge - TX
    Posted on March 26th, 2025 11:08 AM
    5.0
    for
    Morgan Smith
    Encompass
    Morgan was great to work with All around . This is home #2 with her. Actions speak louder than words !
  • A
    Angela W 
    Posted on March 26th, 2025 08:53 AM
    5.0
    for
    Sheila Herring Nelson
    google
    Securing a home loan can be a daunting process, but Sheila and Danielle's expertise made it remarkably smooth. Their dedication and efficiency were truly impressive, ensuring a swift approval. The entire experience was surprisingly stress-free, exceeding... read more
  • J
    Jessica J 
    Posted on March 26th, 2025 08:14 AM
    5.0
    for
    Austin
    google
    Robert was absolutely amazing to work with! He was incredibly knowledgeable and made the entire process so much easier by calming all of our anxieties. He was always available to answer any questions and truly went above and beyond to take care of us.... read more
  • J
    Jessica J C 
    Hutto - TX
    Posted on March 26th, 2025 08:09 AM
    5.0
    for
    Robert Merrell
    Encompass
    Robert was absolutely amazing to work with! He was incredibly knowledgeable and made the entire process so much easier by calming all of our anxieties. He was always available to answer any questions and truly went above and beyond to take care of us.... read more
    Reply from
    Robert Merrell
    March 30th, 2025 06:16 AM
    I'm thrilled to hear that your experience was so positive. It was a pleasure assisting you, and I'm glad I could help ease your anxieties throughout the process. Thank you for your kind words and recommendations. While I look forw...read more
  • E
    Eric M 
    Ellisville - Mississippi
    Posted on March 26th, 2025 07:23 AM
    5.0
    for
    Sheila Herring Nelson
    ManualUpload
    Always fast, reliable , and the team keeps great communication during the proces.
    Reply from
    Sheila Herring Nelson
    March 26th, 2025 10:46 AM
    You are always the BEST to work with!
  • A
    Angela 
    Ellisville - MS
    Posted on March 25th, 2025 05:00 PM
    5.0
    for
    Sheila Herring Nelson
    Zillow
    Securing a home loan can be a daunting process, but Sheila and Danielle's expertise made it remarkably smooth. Their dedication and efficiency were truly impressive, ensuring a swift approval. The entire experience was surprisingly stress-free, exceeding... read more
  • J
    Jessica T 
    Wolfforth - TX
    Posted on March 24th, 2025 09:04 AM
    5.0
    for
    Kimberly Bly
    Encompass
    Kim was incredibly helpful and made my loan mortgage for our new home a seamless process. She was incredibly responsive, friendly, and thorough. Highly recommend! She has been doing our mortgage loans for years with differ properties and I will continue... read more
  • S
    Stacey N 
    Posted on March 24th, 2025 06:21 AM
    5.0
    for
    North Houston
    google
    **Rating: ⭐⭐⭐⭐⭐****Description:**I can't recommend Morgan Smith and HomeTrust Mortgage highly enough for my mortgage! From the very beginning, Morgan made the entire process incredibly simple and stress-free. Her attentiveness and dedication to my needs... read more
  • S
    Stacey N 
    Garden Ridge - TX
    Posted on March 24th, 2025 06:13 AM
    5.0
    for
    Morgan Smith
    Encompass
    **Rating: ⭐⭐⭐⭐⭐****Description:** I can't recommend Morgan highly enough as a lending provider for my mortgage! From the very beginning, she made the entire process incredibly simple and stress-free. Her attentiveness and dedication to my needs were... read more
    Reply from
    Morgan Smith
    March 24th, 2025 02:26 PM
    Thank you so much for taking the time to write a review for me, I truly appreciate it. Thank you for your kind words and your repeat business!! People like you make my job rewarding and make me want to continue originating loans...read more
  • P
    Paul S 
    Bernalillo - NM
    Posted on March 23rd, 2025 03:08 PM
    5.0
    for
    Sydney Lukes
    Encompass
    Sydney kept us informed every step of the way through our loan processing. Even when she was sick at home, she kept up the lines of communications, explanations, and reassurances. She did an excellent job, and I would recommend her to anyone seeking... read more
  • B
    Brandon E E 
    Rio Rancho - NM
    Posted on March 22nd, 2025 12:29 PM
    5.0
    for
    Kelly Frey
    Encompass
    Kelly was very easy to work with, encouraging and provided many options for the home purchase. I recommend her prompt and informative service to anyone! A+!
  • R
    Ricardo M J 
    Conroe - TX
    Posted on March 21st, 2025 06:05 AM
    5.0
    for
    Chuck Lynn
    Encompass
    Always was just an email away. Had no issues getting a hold of him when needed answers. Very informative and helpful with any questions.
  • P
    Patricia F 
    Temple - TX
    Posted on March 21st, 2025 06:03 AM
    5.0
    for
    Robert Merrell
    Encompass
    Mr Robert was very professional and he was easy to talk with about any issues that I had
    Reply from
    Robert Merrell
    March 21st, 2025 09:34 AM
    Thank you so much for your kind words, Ms. Patricia. It was a pleasure supporting you during your homebuying journey. Thank you for trusting me to get you to the finish line. Congratulations on your new home!
  • R
    Rodney C 
    Posted on March 20th, 2025 09:43 AM
    5.0
    for
    The Woodlands
    google
    James Hadley is my go-to for mortgage needs. As a Realtor in Montgomery county Texas, he provides end to end solutions for all of my clients. He and his team are always available to answer any questions we might have. If you are buying a home in Texas,... read more
  • K
    Kyle C G 
    Albuquerque - NM
    Posted on March 18th, 2025 05:00 PM
    5.0
    for
    Chris Hood
    Encompass
    Chris was very responsive, always happy to answer questions, and talked us through the entire process. This is the third time I worked with Chris and I highly recommend him to anyone looking to buy a house.
  • M
    Megan T 
    Posted on March 17th, 2025 09:11 AM
    5.0
    for
    Austin
    google
    Robert was very thorough! He explained everything to us and answered any questions or concerns we had. He was very friendly and made our experience a little less stressful. The calculations he provided us, we're very accurate when it came time to close!... read more
  • M
    Megan T 
    Buda - TX
    Posted on March 17th, 2025 09:09 AM
    5.0
    for
    Robert Merrell
    Encompass
    Robert was very thorough! He explained everything to us and answered any questions or concerns we had. He was very friendly and made our experience a little less stressful. The calculations he provided us, we're very accurate when it came time to close!... read more
    Reply from
    Robert Merrell
    March 17th, 2025 09:16 AM
    Megan, I truly appreciate your kind words and am thrilled to hear that you had a positive experience. It was my pleasure to guide you through the home-buying process and to ensure everything was clear and accurate. I'm so glad I c...read more




    • "Chris was amazing to work with. He really took the time to explain things to us and help us through the home buying process. As first time home buyers it made everything so much less stressful. We appreciate everything he has done for us!"
    - Chris H 
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    GETTING YOUR HOME LOAN
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    Contact Us

    5353 W. Alabama, Suite 500
    Houston, TX 77056
    Phone: (713) 369-4000
    jrudd@hometrust.com

    Loan Programs to Fit Your Needs

    Conventional Fixed Rate Mortgages (FRM)

    Ideal for borrowers with a steady income and sufficient down payment, borrowers pay the same monthly payment amount (principal and interest payments) over loan’s lifetime. 30-year and 15-year fixed available.

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    Conventional Adjustable-Rate Mortgages (ARM)

    This type of mortgage carries a fixed rate for a set period of time before adjusting, depending on current market conditions.

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    FHA Loans

    Good option for first-time homebuyers who may not have saved enough for a large down payment; or have suffered from bankruptcy or foreclosures may qualify for an FHA-backed mortgage.(Insured by the Federal...

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    VA Loans

    Designed for military veterans, VA loans are mortgages guaranteed by the Department of Veteran Affairs, offering exceptional benefits, including low interest rates and no down payment requirement.

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    Jumbo Loans

    A loan which is larger than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation. Because jumbo loans cannot be funded by these two agencies, they usual...

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    Non-QM Loans

    Ideal for independent workers, 1099 contractors, or self-employers, this type of mortgage loan allows borrowers to qualify based on alternative methods such as bank statements or assets as collateral, instead...

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    Down Payment Assistance Program

    Down payment assistance (DPA) helps homebuyers with grants or low-interest loans that reduce the amount they need to save for a down payment. There are many DPA programs nationwide and each state, county...

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    USDA Loans

    Low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages. USDA Loans are also required to buy homes in a...

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    Explore All Loan Options

    Can’t find the loan that fits your needs? Let us help!

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