All Loan Programs

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.

Texas homes — variety of loan options
FHA loan eligible Texas home
First-time buyers

FHA Loans

Popular among first-time buyers thanks to flexible qualification requirements and a low down payment option.

  • Down payments as low as 3.5%
  • Flexible credit guidelines
  • Gift funds may be accepted
  • Ideal for first-time or credit-rebuilding buyers

Ideal borrower: First-time buyers or those rebuilding credit.

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Conventional loan home
Established credit

Conventional Loans

A flexible standard for buyers with established credit — primary, second, or investment property.

  • Low down payment options
  • Flexible loan terms
  • Primary, second, and investment homes
  • Competitive interest rates

Ideal borrower: Buyers with established credit and steady income.

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Home representing the VA loan benefit
Veterans & military

VA Loans

A benefit earned by service — favorable terms for eligible Veterans, active-duty, and surviving spouses.

  • No down payment for qualified borrowers
  • No monthly mortgage insurance
  • Competitive rates
  • Flexible qualification guidelines

Ideal borrower: Eligible Veterans and military families.

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USDA-eligible Texas home
Rural & suburban TX

USDA Loans

Designed for eligible rural and suburban communities — a strong option in many Texas towns.

  • Up to 100% financing
  • No down payment for qualified borrowers
  • Affordable monthly payments
  • Good for eligible rural & suburban areas

Ideal borrower: Buyers in USDA-eligible communities.

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Texas home refinance candidate
Existing homeowners

Refinance Loans

Rework your current mortgage to better match today’s goals — payment, term, or equity.

  • Lower monthly payments
  • Access home equity
  • Consolidate higher-interest debt
  • Improve overall loan terms

Ideal borrower: Homeowners reviewing better-fit options.

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Down payment assistance for Texas homebuyers
TX programs

Down Payment Assistance

Texas homebuyer assistance options that may reduce your out-of-pocket costs.

  • State and local programs
  • Grant and second-lien options
  • Stack with FHA/Conventional/VA
  • Eligibility based on income & area

Ideal borrower: Buyers needing help with down payment / closing costs.

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Loan program availability and qualifying terms vary by borrower, property, and program. All loans are subject to credit approval. Equal Housing Lender · NMLS #2670329 · Mortgage Funding Solutions · Company NMLS #1972934.
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