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
Lucky's Main Line
(713) 679 1123
Call or Text
(713) 234 0151
READY TO GET STARTED?
Live your American Dream!
Let Lucky Home Loans, 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
What clients say about us
Loan Programs We Offer
First-Time Home Buyer Loans
Take the first step toward homeownership with flexible, affordable loan programs designed specifically for first-time buyers. Enjoy low down payment options, competitive interest rates, and expert guidance to help you confidently purchase your dream home in Texas.
Simplify your construction-to-permanent financing with a one-time close construction loan. Combine your construction and mortgage into a single loan, saving time, reducing closing costs, and locking in your rate from day one – the smart way to build your dream home.
First Responders Loans
Honouring those who serve our communities, our First Responder home loan programs offer special rates, reduced fees, and exclusive benefits for police officers, firefighters, EMTs, and paramedics. Get the recognition and savings you deserve when buying your home.
Conventional Loans
Get more from your mortgage with conventional home loans designed for flexibility. Benefit from competitive rates, customizable terms, and down payment options tailored to your financial goals – making homeownership simple and affordable.
FHA Loans
Make homeownership more achievable with an FHA loan backed by the Federal Housing Administration. Benefit from low down payment requirements, flexible credit guidelines, and competitive interest rates designed to help buyers with limited savings move into their dream home.
VA Loans
Honor your service with a VA home loan designed exclusively for veterans, active-duty service members, and military families. Enjoy the benefits of zero down payment, no private mortgage insurance, and competitive interest rates for a smoother, more affordable path to homeownership.
1099/ Self-Employment Loans
Get the financing you deserve with mortgage solutions designed for self-employed individuals, freelancers, and independent contractors. Using alternative income documentation, we make it easier to qualify for a loan even without traditional pay stubs.
Bank Statement Loans
Skip the hassle of tax returns and qualify for a mortgage using your personal or business bank statements instead. Our bank statement loan programs offer simplified income verification and flexible approval options tailored for self-employed borrowers and business owners.
Investment/DSCR Loans
Grow your real estate portfolio with DSCR loan programs that qualify based on property cash flow instead of personal income. Perfect for investors purchasing or refinancing rental properties, these flexible financing solutions help you expand your investments with ease and confidence.
Doctor / Physician Loans
Designed exclusively for medical professionals, our physician loan programs offer low or zero down payment options, flexible debt-to-income requirements, and competitive rates — helping doctors, dentists, and residents purchase a home without the typical financing barriers.
Renovation Loans
Transform your home with renovation loan programs that combine your purchase or refinance with the cost of repairs and upgrades into a single loan. From kitchen remodels to major structural improvements, finance your project with one convenient, cost-effective solution.
Jumbo Loans
Finance high-value properties with our jumbo loan programs, designed for buyers seeking amounts above conventional loan limits. Enjoy competitive interest rates, flexible terms, and personalised service tailored to help you secure the luxury or high-cost home you want.
Cash-out/ Refinance Loans
Unlock the equity in your home with a cash-out refinance loan. Replace your existing mortgage with a new one for more than you owe, and use the difference for home improvements, debt consolidation, education expenses, or other major financial goals.Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.
ITIN Loans
Homeownership is possible without an SSN. Our ITIN loan programs allow borrowers with an Individual Taxpayer Identification Number to qualify for a mortgage, offering flexible documentation requirements and a clear path to owning a home in the U.S.
Down Payment Assistance Program
Make homeownership more affordable with our Down Payment Assistance Program, designed to help reduce the upfront costs of buying a home. With grants, low-interest loans, or deferred payment options, this program brings your dream home within reach sooner than you expected.
Debt Consolidation Loans
Simplify your finances by using your home’s equity to pay off high-interest debts through a debt consolidation loan. Combine credit cards, medical bills, or personal loans into a single, manageable monthly payment with potentially lower interest rates.
Solar Grants Loans
Make your home more energy-efficient and affordable with Solar Grant programs. These initiatives help homeowners finance solar panel installations, reduce utility costs, and increase property value — all while supporting sustainable, eco-friendly living.
Reverse Mortgage Loans HECM
Designed for homeowners aged 62 and older, a Home Equity Conversion Mortgage (HECM) allows you to convert part of your home equity into cash, providing greater financial freedom in retirement without monthly mortgage payments.
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
