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    Welcome to One Source Home Mortgage

    Browse around our site and you will find everything you need, including helpful information, calculators and more.
    Also, don't forget to use the form within the banner to see how much lower our rates are than the big banks.
  • Apply Now

      Full Application

       We suggest filling out this application only if your loan consultant has instructed you to do so. This application requires you to setup a user name and password for yourself.

      Download Application

       You can download the application material now and mail or fax it to us. This is a full application that can be printed as opposed to the online application that can be filled out on a browser.
  • Purchase
      Purchasing a home is a very exciting time, and being well prepared will help you make better decisions. Take this opportunity to learn more about home buying and the mortgage process.

  • Refinance
      Why pay more than you have to? Don't miss out on super low rates.
      Changing the terms of your loan can benefit you and maximize your monthly income

  • Tools & Info
    Use the form within the banner on the home page to see how much lower our rates are than the big banks. Then fill out our application to see if you qualify and obtain a pre-approval letter. If you have any questions, just click Contact Us or call us at 281-298-1009.
  • About Us

    Who We Are

    One Source Home Mortgage helps people get better rates than the big banks and offers better customer service during the process.

  • Contact Us
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Get a Rate Quote In Seconds
Including Closing Costs
Loan Amount:
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Units:
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Lock Period: 15 30 45 60
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Mortgage Calculators
We have put together some calculators to help you make sense of the numbers. They are all easy and fun to use. If you would like to get a free quote with no cost and no obligation, please fill out our online application. If you have a question, don't hesitate to call us at 281-298-1009.

Standard Calculator

 Calculate monthly payments of how much your home will cost you with this calculator.


How Much House Can I Afford Calculator

 By using a simple formula you can get an idea of how much house you can afford.


Amortization Calculator

 See the principal balance change as payments are made. This will show you how much you will owe on your house in "X" amount of years. Also, see how much of your payment is being applied to the principal and how much is being applied to the interest. Most of your payment in the beginning of the loan pays the interest of the loan. Use the Bi-Weekly calculator to see how much you can save by making mortgage payments every 2 weeks as opposed to every month. You will be surprised at what a difference this can make.


Interest Only Calculator

 An Interest only mortgage calculator calculator helps the home buyer calculate his monthly payments on this type of loan.


Refinance Calculator

 This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. This calculator will calculate the monthly payment, net interest savings, and the time it will break even on the closing costs.


Bi-Weekly Calculator

 Use this calculator to see how much money you can save on your mortgage by making payments every 2 weeks instead every month. You can also shorten the term of the loan by using this process. We have put together many calculators and tools to help you make sense of the numbers. They are all easy and fun to use.
Testimonials
"We recently completed our second refinance in two years with Tom Derrick. Refinancing at these low mortgage rates is pretty much a no-brainer but the same can't be said about finding a broker.
Tom is honest and professional. We compared his numbers on both refi's and Tom had the lowest interest rates and closing costs. He makes the process easy.
We're happy to recommend him."
Pete Fusco and Carol Palmer
"When I first sent Tom Derrick an e-mail to inquire about a mortgage, I had no idea of the amazing service I was about to receive. Due to my busy work schedule, e-mail is typically the quickest and easiest way for me to communicate. Every message I sent to Tom was answered VERY quickly, usually within minutes. I was shocked when I sent him a message on a Saturday or Sunday and received a response just as quickly! This level of service can not even begin to compare to what we experienced when we were working with our bank. Tom is incredibly knowledgeable about all things related to mortgages, and was very reassuring anytime we had questions or doubts as we moved along the process. I will most definitely be recommending One Source Home Mortgage to everyone I know in the future, as we were very pleased with the quality and speed of service. Thanks again, Tom! "
Meghan M.
"Tom Derrick was extremely helpful in the refinance process. From the first call I received from him, he gave me the information I needed to make the best decisions for my refinance. The process was simple and did not require much time or effort on my part. Tom was available when I needed to ask questions and responded quickly. The whole process was smooth. He found a Title Company that was very close to my house and scheduled the closing at the most convenient time for me. When I experienced some emotional stress with the process, he explained everything well and provided the necessary information. I would recommend him highly."
Michele DeCuir