Get the Mortgage
You Deserve.

Aravian Financial delivers a refined mortgage experience, expert guidance, competitive rates, and a full suite of loan programs tailored to your life in Texas.

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What brings you here?
Choose a path and I'll guide you from there.
I'm buying a home
Purchase, FHA, VA, USDA, Jumbo
I want to refinance
Lower rate or access equity
or speak with Kris directly
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial · Houston, TX
Call
Licensed in Texas
Close in 21 days
20+ Lender Network
5-Star Google Rating

Your Situation

Every borrower's path is different.

Whether you're a first-time buyer, a veteran, or looking to tap home equity, I have a solution built for your needs.

First-Time Buyers

Low down payment options, assistance programs, and step-by-step guidance from application to close.

Explore options

Veterans & Military

VA loans with $0 down and no PMI. Your service earned this benefit , let's put it to work for you.

VA loan details

Tap Your Equity

Convert home equity into cash for renovations, debt payoff, or whatever matters most right now.

Cash-out options
5★
Google Rating
20+
Lender Partners
TX
Licensed Statewide
21 day
Close Timeframe

Loan Programs

A mortgage for every situation.

View All Programs
Conventional

Conventional Loan

As low as 3% down with flexible terms and no upfront mortgage insurance for qualifying buyers.

Learn more Government

FHA Loan

3.5% down with flexible credit requirements. The most popular option for first-time buyers.

Learn more Military

VA Loan

$0 down, no PMI, competitive rates for veterans, active duty, and surviving spouses.

Learn more Rural

USDA Loan

100% financing on eligible Texas properties. No down payment required for qualifying areas.

Learn more Specialty

Specialty Loans

Medical professional programs, Non-QM, DSCR, and other tailored financing solutions for unique borrower profiles.

Learn more

Ready to see what you qualify for?

2 minutes. No credit pull. No obligation. Just honest answers.

Pre-Qualify Now Get a Rate Quote

The Process

Simple. Fast. Transparent.

Getting a mortgage shouldn't feel like a mystery. Here's exactly what to expect when you work with me.

1

Pre-Qualify

Answer a few quick questions , No credit pull required at this stage.

2

Get Your Options

I shop 20+ lenders and present the best rates and programs for your situation.

3

Lock Your Rate

Choose your loan, lock your rate, and I handle the paperwork end-to-end.

4

Close & Move In

Close in as fast as 21 days and get the keys to your next chapter.

Kris Syevens, Mortgage Broker
Kris Syevens NMLS #566937 · Aravian Financial

Your Broker

I work for you, not the bank.

As an independent mortgage broker, I have access to over 20 wholesale lenders. That means more options, better pricing, and a loan tailored to your situation, not whatever a single bank happens to offer that week.

Based in Houston, TX, I specialize in residential purchase and refinance transactions across Texas, serving first-time buyers, veterans, and growing families.

NMLS #566937 Texas Licensed 20+ Lenders Houston, TX
About Kris

Client Stories

Real people. Real results.

"Kris was with me all the way. He was very responsive, day and night, over the weekends too. We would email, text and phone call, whatever was convenient for me. He made sure I had all the information I needed to be informed and even explained the basic principles and terms of mortgages for me. I would recommend him to anyone and plan to use him again for another mortgage in the near future. He was definitely on my side and made this a very painless and positive experience."

Raveen D. · Houston, TX

"I was so fortunate to have Kris working for us. He was a tremendous asset when dealing with the VA. He knew exactly what paperwork was necessary and was always helpful whenever we needed assistance or had questions. I highly recommend him."

Jeremy D. · Richmond, TX

"Our lender was amazing very professional and worked harder than any lender i have ever worked i am a disabled vetran who does not have the best credit. I have bean turned down 4 or 5 times i didnt even want to apply any more until kris said he could get it done and he did amazing man he made my family's dreams come true thanks kris syevens."

Jayson L. · League City, TX
Read All Reviews

Mortgage Insights

Know before you borrow.

All Articles
Home Buying

Can You Use a VA Loan Twice in Texas? 2nd Tier Entitlement Explained

Yes. Veterans in Texas can use the VA loan benefit more than once. If you still have “second-tier” (bonus) entitlement, you can hold two VA loans at the same time. If you’ve sold a prior VA-financed home and paid off that loan, you can apply for a one-time restoration to return to your full benefit. Your exact zero-down buying power depends on how much entitlement you have left and the 2026 conforming reference figure.

Jun 10, 2026 8:59:22 PM
Home Buying

The Texas Veteran Home Buyer Guide: Using Your VA Loan Benefit in 2026

If you served, you earned one of the most powerful financial benefits available to any American: the VA home loan guarantee. Zero down payment. No private mortgage insurance. No loan limit with full entitlement. Competitive wholesale rates. And you can use it more than once.

May 31, 2026 12:11:51 PM
Home Buying

Texas Property Taxes Are High. Here Is How to Budget Them.

Texas has no state income tax — one of the biggest financial advantages of living here. But there is a trade-off, and it shows up directly in your mortgage payment: property taxes. Texas property tax rates are among the highest in the nation, and failing to account for them correctly is one of the most common budgeting mistakes first-time buyers make.

May 31, 2026 12:10:21 PM

Get Started

Your next home is one conversation away.

No pressure. No commitment. Just honest answers about what you qualify for and what it will cost.

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