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.
Office Hours
Mon-Sat (8:00 am - 8:00 pm)
Email Lucky
Lucky.Buxton@Home.com
Call Or Text (Main Line)
(713) 679 1123
Lucky's Team Line
(713) 234 0151
What clients say about us
EXCELLENT Based on 102 reviews Posted on Google Muzaffer SavukduranTrustindex verifies that the original source of the review is Google. Lucky Buxton thank you for your hard work. You did your best to get me the Best rate loan We as a family. Appreciate you And your team did great job Thank you again wishing you success hopefully, see you soon in next projectPosted on Google Steve Saint JeanTrustindex verifies that the original source of the review is Google. If you want to work with a professional, caring, and dedicated people I encourage you please try to work with them especially Ms Lucky Buxton, she’s been beyond amazing, Thank you Again LuckyPosted on Google Debra DorsettTrustindex verifies that the original source of the review is Google. Lucky Buxton is absolutely professional, knowledgeable and goes above and beyond to assist in the home lending process to ensure a smooth and complete experience. I have truthfully never had a lender pay such close attention as she did. I will be forever grateful to her and would go through her company again in the future. 5 star rating isn't enough (100% all the way) for this wonderful ladyPosted on Google Todd BuxtonTrustindex verifies that the original source of the review is Google. I've bought six houses in my lifetime and this was by far the best experience I've ever had with a loan officer in my entire life. She listens and is very attentive and knowledgeable and will truly act only in your best interest.Posted on Google John UschakTrustindex verifies that the original source of the review is Google. We had an amazing experience working with Lucky at Fairway ! she was verry quick and knowledgeable to answer all of our questions and made the process to getting our new home a breeze!Posted on Google ChesterTrustindex verifies that the original source of the review is Google. Very quick, knowledgeable and honest. Hard working and willing to go that extra mile.Posted on Google Marcos VillegasTrustindex verifies that the original source of the review is Google. We were lucky enough to find Lucky, she is awesome. We are new home buyers that knew little to nothing about the process, Lucky has been with us the whole way through this process. She has been straight forward and honest about everything and truly is my go to whenever anyone I know is looking to buy. I’m so glad I found her and if you’re reading her reviews CALL HER. She has helped us at all hours of the day. She is amazing at what she does. I would not want anyone else handling my loans ever again.Posted on Google Veronica RodriguezTrustindex verifies that the original source of the review is Google. Lucky Buxton and her team are amazing at what they do. We could not have asked for a better lending officer. She goes the extra mile over and over. She made sure that my husband's questions were all answered.She made herself available to us no matter the day of the week. Including when she was on vacation, she still called us,texted and sent us emails. We are extremely happy and blessed to have met Lucky Buxton. I know that if I have a question or my husband we can call Lucky Buxton. Therefore, we will continue to stay in touch with her because she's so easygoing. I highly recommend Lucky Buxton and her team. Thank you, Lucky, for everything you did for us.Posted on Google Peyton LanierTrustindex verifies that the original source of the review is Google. Lucky was very knowledgeable, and one of the most dedicated people I’ve ever seen at her craft. If you’re looking for someone who will help you in every possible way she’s the one to go to!Posted on Google Tim DavisTrustindex verifies that the original source of the review is Google. Lucky 🍀 and here staff are absolutely awesome!! Lucky 🍀 went out of her way to make sure I got the best possible rate and her staff took care of everything to get my home set up with Water, garbage, gas, electric and internet. They made things super easy. Lucky 🍀 is extremely knowledgeable and possesses an uncanny ability to clearly explain any and all things pertaining to buying a home, so you understand completely. Her response times if you have a question were phenomenal. I definitely recommend her and her staff!! You will be happy with the results. Definitely a 10 out of 10!!
katie LeBlanc
Lucky’s Clients
Working with Lucky Buxton was truly one of the best decisions we made during our home‑buying journey. Lucky is beyond committed—she doesn’t just get the job done, she works absolute magic. She found a way to get us approved for a loan that was practically unheard of, and her determination never wavered for a moment.
From start to finish, Lucky made buying a house feel incredibly easy. She explained everything clearly, supported us through every step, and always made sure we felt informed and confident. She was available day or night—even answering our late‑night questions up to 10 p.m. without hesitation. That level of dedication is so rare, and we appreciated it more than words can express.
Her entire team reflects the same level of professionalism, kindness, and enthusiasm. They didn’t just make the process smooth—they made it fun. Honestly, there isn’t a single thing I wish had gone differently.
If you’re looking to buy a home, call Lucky. You will be treated like family, and you will be in the very best hands.
Corey Gamble
Lucky’s Clients
Lucky Buxton is the absolute best! She was there every step of the way on a very complex home build and land loan. Lucky always kept me informed, updated, and worked exceptionally hard to get the answers to any questions. The best part of working with Lucky was her positive attitude and it felt like was working through the process with a friend. Even though she was busy with my loan as well as others she was working, she always wanted to know how the family, work, and other stuff was going. I am fortunate to have had Lucky working my mortgage loan and I highly recommend her to everyone. You wont be disappointed and you’ll get lots of funny video clops throughout the process.
Ready to work with Lucky and her team?
Click here to fill out the application and be a part of the family
Loan Programs We Offer
First-Time Home Buyer Loans
Affordable financing with low down payments, competitive rates, and expert guidance to help you own a home and build your future.
One loan, one closing, and one seamless path from construction to homeownership, saving you time, money, and removing the hassle of multiple closings.
First Responders Loans
Designed to honour those who serve our communities, this program offers valuable closing cost savings, flexible financing options, and dedicated support throughout the homebuying process.
Conventional Loans
Ideal for buyers with strong credit and low debt-to-income ratios, as little as 3% down, no need for 20% down, and the ability to recast for a lower payment.
FHA Loans
With just 3.5% down, flexible credit requirements, and competitive rates, FHA loans make homeownership accessible to more buyers.
VA Loans
Honouring those who protected our freedom with zero down payment, no monthly mortgage insurance, no lender fees, and competitive rates for eligible veterans and military families.
1099/ Self-Employment Loans
Qualify using your 1099 income instead of W2S, ideal for independent contractors and self-employed professionals.
Bank Statement Loans
Qualify based on your cash flow, not your tax write-offs, using 12 to 24 months of bank statements instead of tax returns.
Investment/DSCR Loans
Grow your real estate portfolio with DSCR loans qualified on property cash flow rather than personal income. These loans are ideal for investors purchasing or refinancing rental properties and looking for a streamlined financing solution.
Doctor / Physician Loans
Designed specifically for physicians and other qualifying medical professionals, doctor loans offer flexible financing options with low or no down payment requirements, no PMI, and favourable treatment of student loan debt.
Renovation Loans
Turn a fixer-upper into your dream home with a renovation loan that finances both the home purchase and improvement costs in one mortgage.
Jumbo Loans
Finance high-value homes with loan amounts that exceed conventional lending limits. Jumbo loans offer flexible financing solutions for qualified buyers purchasing luxury or higher-priced properties.
Cash-out/ Refinance Loans
A cash-out refinance allows homeowners to replace their current mortgage with a new loan and access a portion of their home’s equity as cash. Looking to leverage your home’s equity to achieve financial goals.
ITIN Loans
ITIN loans help eligible borrowers without a Social Security Number purchase or refinance a home. Perfect for individuals and families living in the United States seeking a path to homeownership.
Down Payment Assistance Program
Down Payment Assistance programs help eligible homebuyers cover their down payment and, in some cases, closing costs, making homeownership more affordable.
Debt Consolidation Loans
A debt consolidation loan allows homeowners to combine high-interest debts into a single manageable payment using their home equity.
Solar Grants Loans
Finance solar panels through your mortgage so the cost stays with the home.
Reverse Mortgage Loans HECM
A HECM Reverse Mortgage allows homeowners age 62 and older to convert a portion of their home equity into cash while continuing to live in their home. Age in place!
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!
100+
Home Purchased
100+
Instant approvals
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.
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.
Provide your Earnest Money
Provide all documentation
Employment Changes
New Credit Report
Contact Lucky
Take The First Step Toward The Right Mortgage
