Kathy Reader

  • Sr. Loan Officer
  • NMLS: 221187
  • (281) 333-3343
  • (713) 806-6261
  • (281) 333-9291
  • 18333 Egret Bay Blvd., Ste 400
  • Houston, TX 77058
Apply Now

Start your application to purchase your
dream home or refinance today!

Get Prequalified!

Looking to see what you may qualify for?
Get prequalified today!

Welcome to my website

I am Kathy, a senior loan officer in the Clearlake office.  I have been in the mortgage industry as a loan officer for over 31 years.  My favorite part of my job is helping first time homebuyers make their dream come true in an ever-changing industry.  At HomeTrust, we are truly a family, and all work towards the same goal of helping homebuyers navigate the process.

From small town Texas to Houston, I have always called Texas home.  I am happily married to my high school sweetheart.  I have two amazing sons and three beautiful granddaughters that I am fortunate to live close to.  I love to travel and am always ready to go anywhere.

How Do Mortgage Lenders Decide How Much You Can Borrow?
How Do Mortgage Lenders Decide How Much You Can Borrow?
Dec 1 2021   first time buyer first home first mortgage home loan apply for a first home loan
When you apply for a loan, your mortgage lender informs you of the maximum amount you can borrow, and this will help you get an idea of how much house you can afford. The question most buyers ask is how they reach this amount and what factors... Read More
How Does a Home Improvement Loan Work?
How Does a Home Improvement Loan Work?
Nov 24 2021   refinance 30 year loan home loan lower mortgage payment
Home renovations can be expensive, and saving up for extensive improvements could take years. Fortunately, you can fast-track your goals with a home improvement loan.  Home improvement loans allow you to use the equity in your home to fund your... Read More
Which One Is Better? An FHA Or Conventional Loan?
Which One Is Better? An FHA Or Conventional Loan?
Nov 17 2021   first time buyer first home first mortgage home loan apply for a first home loan
Dreaming about your first home purchase but still be undecided on whether to choose an FHA loan or conventional loan? While both are popular choices for those looking for a low down payment, some differences may make one loan a better option than the... Read More
How Much Money Do I Need to Buy My First Home?
"How Much Money Do I Need to Buy My First Home?"
Nov 10 2021   first time buyer first home first mortgage home loan apply for a first home loan
Buying a home is one of the most important decisions you can make. Plus, considering current low mortgage rates, homeownership has never been more appealing and affordable.  In this article, we’ll break down how much you need to purchase a... Read More