About Tiana Ochoa Mortgages & Real Estate · Houston
Tiana Ochoa Mortgages & Real Estate Services is a Houston-area mortgage and real estate brokerage headquartered in Bellaire, Texas (with a mailing office at 4614 East Freeway, Houston, TX 77020). Led by loan officer Tiana Ochoa (NMLS 844491), the firm originates residential and commercial mortgage loans and pairs them with real estate representation, promising 'quality service and individual attention' on every transaction. The company serves first-time buyers, refinancers, self-employed borrowers, and foreign-national/ITIN applicants across the Greater Houston market.
Tiana Ochoa Mortgages & Real Estate Services operates as a locally owned mortgage and real estate brokerage in the Houston metropolitan area, with a primary office in Bellaire and an additional Houston address. The firm's stated mission is 'to serve our customers with honesty, integrity and competence,' and its team emphasizes one-on-one service rather than a call-center approach. Tiana Ochoa is the named loan officer and operator (NMLS ID 844491), and the firm holds NMLS registration through its secure 1003 application portal. The brokerage works with a broad menu of loan programs — FHA, VA, USDA, Jumbo, Conventional, bank-statement products for self-employed borrowers, and ITIN/Foreign National loans — covering purchases, refinances, and home-equity / cash-out transactions on primary residences, second homes, and investment properties. In addition to mortgage origination, the company offers real estate representation and online tools such as mortgage calculators, a custom rate-quote form, and a secure online loan application that can be completed in roughly twelve minutes for pre-approval. Service-area presence is centered on Houston and surrounding Texas communities.
- Owner
- Tiana Ochoa (Loan Officer / Operator, NMLS 844491)
- Serves
- Houston, Texas and surrounding Greater Houston / Bellaire-area communities; statewide Texas mortgage origination.
About Tiana Ochoa Mortgages & Real Estate Services
Tiana Ochoa Mortgages & Real Estate Services is a Houston-Bellaire area mortgage and real estate brokerage. Their stated mission reads: 'We have been helping customers afford the home of their dreams for many years and we love what we do. Our mission is to serve our customers with honesty, integrity and competence.' The firm markets itself as a local alternative to large call-center lenders, promising 'quality service and individual attention' on each file. They operate from multiple Bellaire/Houston addresses and run a secure online 1003 application for pre-approvals.
- Operator: Tiana Ochoa, NMLS 844491
- Phone: (713) 772-5363
- Email: [email protected]
- Headquarters: Bellaire, Texas
Mortgage Loan Programs Offered
The company lists a wide menu of mortgage products covering both residential and commercial lending. Their programs span government-backed options (FHA, VA, USDA), conventional conforming and jumbo loans, and specialty programs for non-traditional borrowers including self-employed applicants and foreign nationals. Loans are available for purchases, refinances, and home-equity / cash-out purposes, on primary residences, second homes, and investment properties. Some specialty programs carry criteria and restrictions as noted on the site.
- Residential & Commercial
- Purchases, Refinances, & Home Equity / Cash-Out
- Primary Residences, 2nd Homes, & Investment Properties
- FHA / VA / USDA / Jumbo / Conventional
- Self-Employed 12-24 Month Bank Statement Program
- ITIN & Foreign National Program
- Certain criteria and restrictions apply
Down Payment Options by Loan Type
The site's home-purchase page highlights the minimum down payment associated with each major loan program the company offers, helping prospective buyers quickly identify which products fit their savings.
- Conventional: as low as 3% down
- FHA: 3.5% down
- VA / USDA: 0% down
- Jumbo / specialty programs: 10–20% down depending on qualification
Home Purchase Lending
The purchase side of the business focuses on helping clients buy first homes, move-up homes, and investment properties. Applicants can request a custom rate quote and pre-qualify through the website, then complete the secure full 1003 application (advertised as taking about 12 minutes) for a formal pre-approval. The application collects information on loan purpose, property type, employment status, income, monthly debts, credit profile, bankruptcy/foreclosure history, and timing.
- Pre-qualification via website form
- Secure online 1003 application for pre-approval
- Custom rate quote request
- Coverage for Single Family, Multi-Family, Condominium, Townhouse, Manufactured Home
Refinance & Home Equity Solutions
The refinance division helps existing homeowners lower their rate or payment, change their loan term, consolidate debt, or take cash out. The site positions the team as committed to 'helping you refinance with the lowest rates and fees in the industry today' and provides tools to check low rates, calculate a new payment, and begin the process online. Home-equity lines of credit (HELOCs) and second mortgages are also presented as options.
- Lower Interest Rate
- Lower Monthly Payment
- Debt Consolidation
- Change Rate / Term
- Home Improvement
- Take Cash Out
- HELOC / 2nd Mortgage options
Loan Programs Page
A dedicated Loan Programs page helps borrowers compare fixed- and adjustable-rate mortgage products. It explicitly notes that 'deciding which mortgage product is best for you will depend largely on your unique circumstances, and there is no one correct answer,' and encourages prospects to call the team for guidance.
- Fixed-rate mortgage options
- Adjustable-rate mortgage (ARM) options
- Personalized recommendation by phone
Online Tools: Rate Quotes, Calculators & Application
The website provides self-service digital tools so applicants can pre-qualify, request a custom rate quote, model mortgage scenarios with calculators, and complete a secure full application. The application portal is hosted at secure-apps.smartapp1003.com under NMLS 844491.
- Custom rate quote form
- Interactive mortgage calculators
- Pre-qualification form
- Secure 1003 full application (≈12 minutes)
- Pre-approval pathway
Service Area & Locations
The firm is rooted in the Houston/Bellaire market but originates loans across Texas. LinkedIn company data lists three U.S. office locations clustered around Bellaire and East Houston, supporting both local real estate representation and statewide mortgage origination.
- 5555 West Loop South, Ste 505, Bellaire, TX 77401
- 4900 Bissonnet St, Suite 110, Bellaire, TX 77401
- 4614 East Freeway, Houston, TX 77020
Get in Touch
Prospective clients can reach the team by phone or email, submit an online application, or visit the Bellaire/Houston offices. By submitting a phone number on the website, users consent to receive SMS messages; the firm provides an unsubscribe path by emailing [email protected].
- Phone: (713) 772-5363
- Email: [email protected]
- Website contact form on /contact-us
- SMS consent with email opt-out