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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
Get a Rate Quote In Seconds
Including Closing Costs
Loan Amount:
Property Value:
Loan Type:
Residence Type:
Lock Period: 15 30 45 60
Refinance Calculator
This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate. Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.
Enter the principal balance of your mortgage: (call your mortgage lender and ask for the current payoff amount)
Enter the amount of your monthly mortgage payment:
(principal and interest portion only)
Enter the your mortgage's current interest rate:
Enter interest rate you will be refinancing at:
Enter the number of years you will be refinancing for:
Enter the closing costs that will be required for refinancing:

This is how much your monthly payment will be if you refinance:
Monthly Savings:
Number of months to break even on closing costs:
This is how much interest you will pay under your current monthly payment plan:
This is how much interest you will pay under your refinanced monthly payment plan:
This is how much interest you will save if you refinance:
Net Refinancing Savings (interest savings less closing costs):

"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