Texas Mortgage Experts
Your Trusted Partner for Home Financing Across the Lone Star State
From Houston to Dallas, Austin to San Antonio, and everywhere in between - we specialize in Texas mortgage solutions with access to 150+ lenders and deep knowledge of local Texas real estate markets.
Serving Major Texas Cities & Communities
Deep local Texas market knowledge combined with statewide lending expertise. Whether you're buying in a major Texas metro or a growing suburban community, we provide tailored Texas mortgage solutions with competitive rates and personalized service.
Houston
Southeast Texas
As Texas's largest city and a major economic hub, Houston offers diverse neighborhoods from the Heights to Sugar Land. Our Houston mortgage specialists understand the unique dynamics of Harris County real estate, from energy sector professionals to medical center employees seeking home financing solutions.
Popular Areas We Serve:
Dallas
North Texas
Dallas-Fort Worth metroplex represents one of the fastest-growing Texas real estate markets. From Plano to Frisco, Arlington to Irving, our Dallas mortgage experts provide financing solutions for tech professionals, corporate relocations, and families seeking quality Texas schools and communities.
Popular Areas We Serve:
Austin
Central Texas
Austin's booming tech scene and vibrant culture make it one of Texas's hottest real estate markets. Our Austin mortgage specialists serve tech workers, state employees, and university professionals from downtown condos to suburban Round Rock and Cedar Park homes with competitive Texas financing options.
Popular Areas We Serve:
San Antonio
South Central Texas
Rich in Texas history and military heritage, San Antonio offers affordable homeownership opportunities. Our San Antonio mortgage team specializes in VA loans for military families at Joint Base San Antonio, conventional financing, and FHA loans throughout Bexar County and surrounding Texas Hill Country.
Popular Areas We Serve:
Fort Worth
North Texas
Fort Worth combines Texas Western heritage with modern growth. Our Fort Worth mortgage advisors serve families in Tarrant County, from historic neighborhoods to new developments in Alliance and Keller, offering Texas home financing solutions for diverse buyer needs and budgets.
Popular Areas We Serve:
El Paso
West Texas
El Paso offers some of Texas's most affordable real estate with stunning mountain views. Our El Paso mortgage specialists understand the unique West Texas market, serving military families at Fort Bliss with VA loans and first-time Texas homebuyers with FHA and conventional financing options.
Popular Areas We Serve:
We Also Serve These Texas Communities
Texas Mortgage Market Insights
Stay informed about Texas real estate trends, mortgage rates, and homebuying opportunities across the Lone Star State with expert analysis from our Texas mortgage specialists.
Texas Real Estate Market Trends 2024
The Texas real estate market continues to show strong growth, driven by job creation, population influx, and diverse economic sectors. Major Texas metros like Austin, Dallas, and Houston lead in appreciation, while San Antonio and Fort Worth offer more affordable Texas homeownership opportunities.
Why Texas Homebuyers Choose Us
Access to 150+ Texas-approved lenders for competitive rates
Deep knowledge of Texas property tax laws and homestead exemptions
Expertise in Texas VA loans for military families across the state
Understanding of Texas-specific closing costs and title requirements
Relationships with Texas appraisers and title companies
Knowledge of Texas HOA regulations and MUD districts
Texas First-Time Homebuyer Programs
Texas State Affordable Housing Corporation
Down payment assistance and competitive rates for eligible Texas first-time buyers
My First Texas Home Program
Low down payment options with Texas-specific benefits and reduced mortgage insurance
Texas Veterans Land Board
Special Texas VA loan programs with competitive rates for Texas veterans
Local Texas City Programs
Additional assistance available in Houston, Dallas, Austin, San Antonio, and other Texas cities
Texas Mortgage Loan Programs
Comprehensive Texas home financing solutions tailored to your unique situation. From VA loans for Texas veterans to conventional mortgages for Texas families, we offer expert guidance and access to 150+ Texas-approved lenders.
Texas VA Loans
- No down payment required for eligible Texas veterans
- No PMI on Texas VA loans
- Competitive rates for Texas military families
- Available at military bases: Fort Hood, Fort Bliss, Joint Base San Antonio
- Texas VA refinancing (IRRRL) options
- Support for Texas National Guard and Reserve members
Texas FHA Loans
- Low down payment options (3.5%) for Texas homebuyers
- Flexible credit requirements for Texas residents
- Available throughout Texas metro areas
- Ideal for first-time Texas homebuyers
- Texas FHA loan limits up to $498,257 in most counties
- Streamlined refinancing for existing Texas FHA loans
Texas Conventional Loans
- Down payments as low as 3% for qualified Texas buyers
- Competitive rates across Texas markets
- Higher loan limits for expensive Texas areas
- PMI removal options once reaching 20% Texas home equity
- Flexible terms: 15-year, 20-year, 30-year Texas mortgages
- Ideal for strong credit Texas borrowers
Texas Jumbo Loans
- Financing for luxury Texas properties above conventional limits
- Available in high-value Texas markets (Austin, Dallas, Houston)
- Competitive jumbo rates for qualified Texas borrowers
- Loan amounts exceeding $766,550 in Texas
- Flexible terms for high-net-worth Texas residents
- Expert guidance on Texas luxury real estate financing
Texas Refinancing
- Lower your Texas mortgage payment with competitive rates
- Cash-out refinancing for Texas home equity access
- Texas IRRRL for VA loan holders
- FHA streamline refinancing for Texas FHA borrowers
- Conventional refinancing throughout Texas
- Expert analysis of Texas refinancing benefits
Texas USDA Loans
- Zero down payment for eligible rural Texas properties
- Available in qualifying Texas counties and suburbs
- Competitive rates for Texas rural homebuyers
- Income limits apply for Texas USDA eligibility
- Great option for Texas Hill Country and rural areas
- Support for Texas agricultural and rural communities
Texas Homeowners Love Working With Us
Real stories from real Texas families who achieved their homeownership dreams with our expert Texas mortgage guidance and personalized service across the Lone Star State.
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Sarah Martinez
Houston, TX
"As a first-time homebuyer in Houston, I was overwhelmed by the Texas real estate market. Rick and his team made the entire Texas mortgage process smooth and stress-free. They found me the perfect FHA loan with a low down payment, and I closed on my Houston home in just 30 days!"
James Thompson
Dallas, TX
"After serving in the military, I wanted to use my VA benefits to buy a home in the Dallas area. Rick's expertise in Texas VA loans was invaluable. He explained every step, got me an amazing rate, and helped me find the perfect Dallas home for my family. Highly recommend for any Texas veteran!"
Emily Chen
Austin, TX
"Moving to Austin for a tech job, I needed a mortgage quickly in a competitive Texas market. Rick's team worked tirelessly to get me pre-approved and connected me with the right Austin lenders. Their knowledge of the Austin real estate market and Texas mortgage options was exceptional!"
Michael Rodriguez
San Antonio, TX
"I wanted to refinance my San Antonio home to lower my monthly payment. Rick analyzed my Texas mortgage situation and found me a rate that saved me $400 per month! His understanding of San Antonio real estate and Texas refinancing options made the entire process seamless."
Jennifer Williams
Fort Worth, TX
"Purchasing a luxury home in Fort Worth required a jumbo loan, and Rick's expertise in high-value Texas properties was exactly what I needed. He secured competitive rates and guided me through the complex Texas jumbo loan process with professionalism and care."
David Nguyen
Plano, TX
"As a first-time buyer in the competitive Plano market, I didn't know where to start with Texas mortgages. Rick educated me on all my options, helped me understand Texas property taxes, and found me a great rate. Now I'm a proud Plano homeowner thanks to his Texas mortgage expertise!"
Texas Mortgage Questions Answered
Get expert answers to common questions about Texas mortgages, home financing, and the Texas real estate market from our experienced Texas mortgage specialists.
Texas mortgage rates vary based on loan type, credit score, and market conditions. Currently, rates start around 6.25% for conventional loans, with VA loans and FHA loans offering competitive options. As a Texas mortgage broker with access to 150+ lenders, we can help you find the best rates available in the Texas market for your specific situation.
Ready to Start Your Texas Mortgage Journey?
Get personalized Texas mortgage guidance from our expert team. We'll help you navigate the Texas real estate market and find the perfect financing solution for your dream home.