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. 

Years of Professional Experience
0 +
Happy Families
0 +
Loans Disbursed
0 +

Office Hours

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

Email Lucky

Lucky.Buxton@Home.com

Lucky's Team Line

(713) 234 0151

What clients say about us

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!

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!

100+

Home Purchased

100+

Instant approvals

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.

Contact Lucky

Take The First Step Toward The Right Mortgage

Our Article

Featured News And Insights

Our Video’s

Lucky’s Latest Videos