Richmond and Pecan Grove, where the district line runs through the ZIP.
10 neighborhoods across 2 Richmond service areas, with the loan programs that actually fit each one. Established plantation-era neighborhoods alongside newer master-planned growth, spread across two school districts.
Richmond is in Fort Bend County, and the 77406/77407 area straddles the Lamar CISD and Fort Bend ISD boundary - worth confirming by street before you commit to a school zone.
ZIP codes served
77406 · 77407
Statewide
Katy is home base, but 3E Lending is licensed to write loans anywhere in Texas.
Every Richmond neighborhood we know by name
Open any area to see its neighborhoods, the streets and intersections that define them, and the loan programs buyers there use most.
Richmond (North / Aliana)
Aliana and the Grand Mission corridor, master-planned Fort Bend growth along West Bellfort and the Grand Parkway.
77407 · 5 neighborhoods
Aliana Master Core / Grand Pkwy
Grand Pkwy (SH 99) & W Grand Pkwy S / Harlem Rd
The Aliana Master Core represents a distinct tier of Richmond real estate. Centered near the intersection of Grand Pkwy and Harlem Rd, this section of zip 77407 features modern single-family homes on standard lots with strong school zoning. The housing stock spans three primary master-planned communities, including Aliana, Lakes of Bella Terra, and Fieldstone. Properties here occupy upper-middle to luxury price tiers, supported by direct commuter access.
Purchasing property across these tiers often involves conventional conforming, high-balance, or jumbo financing. These programs are designed for buyers with established credit and verifiable reserves. Funds disburse as a single lump sum at closing and convert to a standard amortization schedule. Providing a larger down payment limits private mortgage insurance, which cancels as the principal amortizes. 3e Lending can evaluate how these loan limits align with your purchase. Three limits, three sets of terms. Kimberli can show you where your number lands.
Conventional Conforming
Conventional High-Balance / Jumbo
Lakes of Bella Terra / Westpark Tollway Gateway
FM 1093 (Westpark Tollway) & Bella Terra Blvd
The intersection of FM 1093 (Westpark Tollway) and Bella Terra Blvd anchors the Lakes of Bella Terra and Westpark Tollway gateway. Housing in zip 77407 features mid-tier properties on moderate lots with ongoing build activity. Lakes of Bella Terra West and Westmoor see consistent resale volume, while the gated Bella Terra Enclave maintains limited turnover. These areas supply established school zoning and direct commuter routes.
Purchasing here typically involves Conventional Conforming or FHA loans, with funds disbursed to the seller at closing. FHA financing allows lower down payments and flexible credit, requiring upfront and annual mortgage insurance. Conventional loans demand established credit and standard reserves, utilizing private mortgage insurance that cancels at specific equity points. Ask when the mortgage insurance actually drops off. On a conventional loan it’s a date you can plan around.
Conventional Conforming
FHA Loans
McCrary / West Bellfort Residential Belt
W Bellfort St & McCrary Rd
The McCrary and West Bellfort Residential Belt in 77407 offers recent construction, moderate lot sizes, and efficient commutes. Activity near W Bellfort St & McCrary Rd remains steady across Grand Vista, Waterstone Estates, and the Harvest Green Outer Ring. This housing stock occupies accessible price tiers, drawing buyers seeking practical floor plans and established school zoning.
These standard property values fit conventional conforming, FHA, and VA loans. Conventional programs require structured down payments and solid credit profiles, carrying mortgage insurance that eventually cancels. FHA and VA options are designed for buyers with different reserve levels, accepting lower upfront capital while funds disburse directly at closing to establish your permanent mortgage. Reserve requirements are where these three really differ, so give 3e Lending the full picture.
Conventional Conforming
FHA / VA Loans
Harvest Green North Growth Sector
Harlem Rd & Harvest Corner Dr
The Harvest Green North Growth Sector near Harlem Rd and Harvest Corner Dr features higher-tier homes on spacious lots. Buyers in 77407 typically evaluate master-planned designs in Harvest Green, single-family builds in Mesquite Grove, or gated properties in Old Orchard. Harvest Green North offers recent construction, established school zoning, and direct Grand Parkway commute access.
Given these upper-tier property values, buyers frequently require conventional high-balance or jumbo mortgages. These loans serve borrowers with strong credit and sufficient reserves needing to exceed standard county thresholds. Funds are disbursed entirely at closing, converting immediately to a permanent amortizing balance. A twenty percent down payment generally avoids ongoing mortgage insurance. Twenty percent isn’t the only route, and 3e Lending can price the alternatives.
Conventional High-Balance
Jumbo Mortgages
Grand Mission / West Bellfort Stretch
Grand Mission Blvd & W Bellfort St
The Grand Mission and West Bellfort Stretch features master-planned housing from the last two decades. Near Grand Mission Blvd and W Bellfort St in zip 77407, developments like Grand Mission Estates, Grand Mission, and Long Meadow Farms East offer mid-tier properties on standard lots. Build activity has matured, leaving stable grids zoned to Fort Bend ISD with direct commute access via the Grand Parkway.
These homes fit conventional conforming and FHA loans. Conventional financing serves buyers with established credit and reserves, utilizing mortgage insurance that eventually drops off. FHA structures allow lower down payments and flexible credit histories while requiring upfront and annual mortgage insurance. Both options disburse purchase funds at closing, converting the transaction into a standard amortizing mortgage. Both close the same way. The difference shows up in what you pay every month.
Conventional Conforming
FHA Loans
Pecan Grove
Established 1980s plantation neighborhoods alongside newer Waterside development, split between two school districts.
77406 · 5 neighborhoods
Pecan Grove Core / Plantation Row
Plantation Dr & FM 359
The Plantation corridor near Plantation Dr and FM 359 consists of established single-family homes built primarily during the 1980s. Buyers evaluating zip 77406 find mature lots and mid-tier pricing across Pecan Grove Plantation, The Plantation at Pecan Grove, and Greens at Pecan Grove. These communities feature minimal new construction, feed into Lamar CISD or Fort Bend ISD campuses depending on the street, and offer standard commute routes to regional employment centers.
Since older properties often require modernization, a cash-out refinance converts established home equity into a single lump-sum disbursement. For acquisitions, a conventional conforming mortgage requires standard down payments and cancels mortgage insurance once sufficient principal is cleared. Both approaches are designed for borrowers with verifiable reserves and stable credit profiles. Texas caps what you can pull out of a homestead, so get the number from 3e Lending before you plan around it.
Conventional Conforming
Home Equity / Cash-Out Refinance
Harvest Green Agri-Community / Mason Rd
S Mason Rd & Harvest Corner Dr
The Harvest Green Agri-Community along Mason Rd in zip 77406 centers around the intersection of S Mason Rd and Harvest Corner Dr. This area features recent construction with larger lots and higher price tiers. The housing stock encompasses Harvest Green Central, Mesquite Grove at Harvest Green, and Harvest Green West. These homes offer straightforward commute access and sit within established school zoning boundaries.
Buying in these price tiers typically requires a conventional high-balance or jumbo mortgage. These programs are designed for loan amounts exceeding standard county limits. They require established credit profiles and verified cash reserves. A twenty percent down payment removes mortgage insurance requirements entirely. Funds are disbursed in a single sum at closing to establish your permanent financing. Give 3e Lending your price target and you’ll know which of the two you’re working with.
Conventional High-Balance
Jumbo Mortgages
FM 359 West Growth / Waterside Belt
FM 359 & Waterside Estates Dr
The FM 359 West Growth and Waterside Belt features early-2000s builds alongside active residential development in zip 77406. Centered at FM 359 and Waterside Estates Dr, properties range from traditional lots in Waterside Center and master-planned layouts in Waterside Estates to expansive acreage in Whispering Oaks. These subdivisions offer mid-tier pricing, Lamar CISD or Fort Bend ISD zoning depending on the street, and direct commute access into Houston.
Purchasing these homes typically involves Conventional Conforming, FHA, or VA loans fully disbursed at closing. Conventional programs fit mid-tier prices using standard down payments and private mortgage insurance that cancels at a set equity threshold. Buyers needing flexible credit guidelines use FHA financing, while eligible veterans utilize VA loans for zero down payment structures without monthly mortgage insurance. Veterans in particular should price the VA option here before defaulting to conventional.
Conventional Conforming
FHA / VA Loans
Long Meadow Farms North Sector
W Grand Pkwy S & Long Meadow Farms Pkwy
The Long Meadow Farms North Sector centers on W Grand Pkwy S and Long Meadow Farms Pkwy. This stretch of 77406 features mature housing ranging from master-planned single-family homes in Long Meadow Farms to the residential enclave of Lakes of Long Meadow Farms and luxury acreage within the gated Texana Plantation. The market reflects larger lot sizes, upper-tier pricing, steady build activity, Lamar CISD zoning, and direct commuter access.
Securing these higher-priced properties often requires jumbo or conventional high-balance financing. Designed for loans above standard limits, these programs call for strong credit profiles and documented cash reserves. Buyers structure down payments of ten to twenty percent, which typically eliminates ongoing mortgage insurance. The principal is disbursed at closing and enters a standard amortizing schedule. On a jumbo this size, shopping lenders isn’t a formality. Kimberli does it as a matter of course.
Jumbo Mortgages
Conventional High-Balance
Mason Road / Old Richmond Approach
S Mason Rd & FM 359
The Mason Road and Old Richmond Approach in zip 77406 features early 2000s builds and newer construction near the intersection of S Mason Rd and FM 359. This area offers mid-tier pricing on standard lots, steady build activity, and straightforward commute access alongside Lamar CISD zoning. Subdivisions like Country Lakes Estates, Rivers Edge, and Fieldstone West Outer Ring define the single-family housing market here.
Financing these properties often involves conventional conforming or FHA loans, which match the typical purchase prices in these neighborhoods. Conventional mortgages call for a solid credit profile and allow private mortgage insurance to cancel eventually. FHA programs accommodate smaller down payments and flexible reserve standards, carrying permanent mortgage insurance. Both disburse funds directly at closing. Which one fits comes down to your credit and your cash, and 3e Lending can sort that in one conversation.
Conventional Conforming
FHA Loans
Loan programs Richmond buyers use most
Ranked by how often each program fits the 10 neighborhoods above.
A national lender routes your file to whoever is free that afternoon. At 3E Lending there is one licensed broker. She answers the phone, she prices your file, and she is the one who calls when something moves.
Kimberli Pham holds three Texas licences, which is unusual for one person.
MortgageShe prices the loanA broker licence means she shops multiple lenders against each other instead of selling you one bank's shelf.
InsuranceShe covers the houseHomeowners coverage gets quoted while the loan is still in processing, so a missing binder never stalls your closing.
EnergyShe sets the power rateA Texas energy aggregator licence means your electricity rate gets handled before you move in, not after.
No credit pull to get started · no obligation · a real person responds fast.
Richmond mortgage questions
Which Richmond neighborhoods do you work in?
All of them. This page covers 2 Richmond service areas and 10 neighborhoods across ZIP codes 77406, 77407.
Do you only lend in Richmond?
No. We're based in Katy and licensed to write loans anywhere in Texas. Richmond just happens to be one of the areas Kimberli knows street by street.
Will my information be sold to other lenders?
No. Your details go to lender partners only as far as it takes to work your loan, and they're never sold for anyone else's marketing. You're dealing with Kimberli directly, not a call center and not a lead auction.
How do I get started?
Call or text Kimberli at 713-396-0067. She's glad to answer questions before you commit to anything, and there's no credit pull just to talk.
