Purchase Loans
Whether you're buying your first home or your fifth, we shop your loan across multiple lenders to find the best rate and terms for your situation. Conventional, fixed-rate, and adjustable-rate mortgages for all 254 Texas counties.
- —Conventional conforming loans (Fannie Mae / Freddie Mac)
- —Fixed-rate 10, 15, 20, and 30-year terms
- —Adjustable-rate mortgages (5/1, 7/1, 10/1 ARMs)
- —Down payment options from 3% with PMI to 20%+
Refinancing
Rates change. Life changes. A refinance can lower your monthly payment, shorten your loan term, or convert equity into cash. We run the numbers honestly — including break-even analysis — so you know if refinancing actually makes sense.
- —Rate-and-term refinance to lower your interest rate
- —Cash-out refinance for home improvements or debt consolidation
- —Streamline refinance for existing FHA and VA borrowers
- —Break-even analysis included at no charge
FHA & VA Loans
Government-backed loans open doors that conventional financing sometimes closes. FHA loans require as little as 3.5% down and are more forgiving of credit history. VA loans offer zero down payment for eligible veterans and active-duty service members — one of the most powerful benefits available.
- —FHA loans with 3.5% minimum down payment
- —VA loans with zero down for eligible veterans
- —VA IRRRL streamline refinance
- —FHA 203(k) renovation loans
Jumbo Loans
For properties above the conforming loan limit, jumbo financing requires a lender who knows the Texas luxury market. We work with portfolio lenders who hold these loans in-house, which means more flexibility on terms and faster decisions.
- —Loan amounts above $766,550 (2024 conforming limit)
- —Primary residence, second homes, and investment properties
- —Fixed and adjustable-rate options
- —Competitive rates through portfolio lender relationships
USDA Loans
Zero down payment financing for eligible rural and suburban Texas properties — one of the most underused loan programs available. If your target area qualifies, a USDA loan can be more affordable than FHA with no down payment required.
- —Zero down payment for eligible rural properties
- —Lower mortgage insurance than FHA
- —USDA property eligibility map review included
- —Income limits apply — we verify eligibility upfront
Not sure which loan fits?
Tell us where you are and what you're planning for. We'll run the numbers and tell you which loan makes the most sense — no obligation.