Home Loans: Texas

The average Texan puts 13% down, but this can still be challenging for families, especially given the high price of housing here. Our experts can help you explore assistance programs available in Texas to make homeownership more accessible, such as Two Home Buyer Programs or a First-Time Home Buyer mortgage interest tax credit.

We won’t check your FICO score when you explore our Texas home loans, ensuring that your score doesn’t take a hit while you’re shopping around. Request a free quote today!

When you’re looking for a home mortgage, you want to get the best rate possible. Whether you need refinancing, a cash-out refinance, or a first home, we’ll give you remarkable rates you won’t find with any other mortgage lender.

As one of the top mortgage lending companies in the Lone Star state, we know all there is to know about loan programs here. Your loan officer will help you choose the right Texas mortgage option for you, whether that’s a conventional mortgage, an FHA loan, or a VA loan. We’ll also assist you in identifying a good term for your needs, whether that is a 30-year fixed-rate mortgage or an adjustable-rate choice.

If mortgage rates have decreased or your financial situation has improved since your first home loan, you may consider refinance.

To refinance is to obtain a new loan through your mortgage lender with better terms to pay off the existing loan. This can lead to lower monthly payments, a shorter term, or access to equity. Whether you want a cash-out refinance to use for repairs to your primary residence, or you want to buy a second home with your savings, we’ll be there for you every step of the way.

Your FICO score plays a vital role in qualifying for a home loan. Our team can provide guidance on improving your credit score and maximizing your eligibility, whether that is through a Credit Service Organization registered with the Texas Department of State, or getting you in touch with consumer education through the Texas Office of Consumer Credit Commissioner.

There are fees due at the start of your Texas mortgage, and they can sometimes be challenging for buyers. We can roll these into your mortgage to help reduce upfront costs.

We’ll support you in finding the right loans and explain all the programs available to you, such as the Mortgage Credit Certificate Program to reduce your taxes. We can also connect you with Housing and Urban Development options in your area.

Get pre-approved for a home loan to understand your budget and strengthen your offer. Our loan officers will look at your debt-to-income ratio and credit score to determine how much you can borrow.

With our mortgage calculators, you can explore the factors that go into monthly costs before speaking to a loan officer, so you’re prepared to start looking for the perfect property.