Competitive Rates and Exceptional Services.

First Lending has been serving customers in Texas since 2003. Locally owned and operated, First Lending is a direct lender and a market leader specialized in home loans offering favorable terms, low costs and exceptional services.

Rate Quote

We have mortgage solutions for everyone

  • Conventional
  • High Balance
  • Jumbo Loans
  • Foreign Nationals
  • Commercial Loans

Apply Online

We are committed to help borrowers understand their options for real estate financing and making solid financial decisions. In the past 15 years, we helped tens of thousands of our customers to finance their home with favorable terms and low costs. We offer wide range of programs for all customers:

  • Conventional
  • High Balance
  • Jumbo Loans
  • Foreign Nationals

Why choose us?

We know the mortgage industry inside out and are committed to help you achieve your goals
First time home buyers Real estate investors New immigrants Real estate agents

We are up to date, extensively trained, and fully implemented to save you time and eliminate worries.


We love technologies and have adopted our streamlined process to give you fast pre-approval and to make sure your purchase transactions are closed on time


Home values are rising, and rates are still low. We can help you consolidate high-interest debts, make home improvements and repairs, buy other investment properties, pay for major expenses such as car and tuition, or start a business from your home equity.


Refinancing at a lower interest rate
  • Converting an adjustable rate to a fixed-rate loan
  • Consolidating high-interest debts by using the home equity
  • Refinancing to a shorter term to pay off mortgage faster
  • Refinancing to a longer term to reduce monthly payments

Meet our team

Our leadership team brings a wealth of knowledge and experience. Believing in cultures, a collaborative environment, and technologies, we have adopted our streamlined process which truly sets us apart in the mortgage industry.

Kathy Dong, NMLS # 302830

President, Founder

Ada Cao, NMLS# 247154

VP, Operation Director

Shaoli Huang, NMLS# 310910

VP, Mortgage Banker

Li Zhou, NMLS# 1727000

Director, Founder

Jessie Jin, NMLS # 900917

Credit Analyst

Sharon Han, NMLS# 1276800

Credit Analyst

Hao Wu

Credit Analyst

Celine Xu

Credit Analyst

Allen Yin

Credit Analyst

Ariel Huang

Credit Analyst

Join Our Team

Our team members take great pride in being part of the First Lending family.
Whether you are a seasoned loan professional, or have little or no mortgage experience, First Lending has a path that can help lead you to success.
First Lending offers comprehensive trainings and development opportunity designed to provide you with the resources to build a long-term successful career in the mortgage industry. First Lending is an equal opportunity employer.

Contact Us

Have any question or concerns? Is there any information you would like to share with us? Please do not hesitate to contact us. We'll be happy to assist you in any way we can.

To contact us in WeChat, Click and scan the QR Code
Kathy Dong
Ada Cao
Li Zhou
Reliable Counter
Reliable Counter