Texas Mortgage Loan Options
Five core loan programs cover most Texas buyers. I help you compare them and choose the option that actually fits your goals, credit, and timeline.

Five core loan programs cover most Texas buyers. I help you compare them and choose the option that actually fits your goals, credit, and timeline.


Popular among first-time buyers thanks to flexible qualification requirements and a low down payment option.
Ideal borrower: First-time buyers or those rebuilding credit.
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A flexible standard for buyers with established credit — primary, second, or investment property.
Ideal borrower: Buyers with established credit and steady income.
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A benefit earned by service — favorable terms for eligible Veterans, active-duty, and surviving spouses.
Ideal borrower: Eligible Veterans and military families.
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Designed for eligible rural and suburban communities — a strong option in many Texas towns.
Ideal borrower: Buyers in USDA-eligible communities.
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Rework your current mortgage to better match today’s goals — payment, term, or equity.
Ideal borrower: Homeowners reviewing better-fit options.
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Texas homebuyer assistance options that may reduce your out-of-pocket costs.
Ideal borrower: Buyers needing help with down payment / closing costs.
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