Family of 4 excited to walk into new home

If you’ve been keeping an eye on the housing market in Texas, you know that mortgage rates have been a hot topic. For a while, higher rates made it challenging for many to consider buying a home or refinancing. But we have some exciting news to share: mortgage rates have recently seen a significant drop,…

Read More
Single family home exterior with grey brick at sunset

Buying a home in Texas can be exciting—but also overwhelming without the right support. Whether you’re a first-time homebuyer or a veteran using VA benefits, choosing the right mortgage is a critical first step. At Philip Cloutier Mortgage, we specialize in helping buyers across Houston, Austin, San Antonio, Dallas, and Galveston navigate their loan options. Here’s how FHA, VA, and Conventional…

Read More