Create a document that outlines the agreement, including the type and amount of loan, the assets included in the mortgaged, and the terms of the agreement. First Community wants to help you get into the home of your dreams.Fill out the form to get more information and our Real Estate team will get back with you. Start our no obligation form on the right and get a rate quote in minutes including image closing costs. Call to Apply for a Commercial Real Estate Loan! All borrowers must occupy the subject property as principal residence within 60 days of mortgage loan closing. Mortgage Pre Approval. The first step to buy a house in Houston is to talk with a mortgage lender and get pre approved for a mortgage online in advance.