Your Texas Dream Home Starts Here

Competitive mortgage rates, personalized service, and decades of Texas real estate expertise. From Houston to Dallas, Austin to San Antonio - we're your local lending partner.

Check Today's Rates How It Works

$2B+

Loans Funded

15K+

Texas Families

4.9

Customer Rating

Texas Dream Home
NMLS Licensed
A+ BBB Rated
20+ Years Experience
Texas Local

Mortgage Solutions for Every Texan

Whether you're buying your first home, upgrading, or investing in property, we have the right loan program for your needs.

Home Purchase

Make your Texas homeownership dream a reality with competitive purchase loan options.

  • Down payments as low as 3%
  • First-time buyer programs
  • Conventional, FHA, VA, USDA
  • Fast pre-approval process

Refinance

Lower your rate, reduce your term, or tap into your home's equity with our refinance options.

  • Rate & term refinance
  • Cash-out refinance
  • Streamline options
  • No-cost refinance available

Investment Property

Build your real estate portfolio with financing designed for Texas investors.

  • Single & multi-family
  • Competitive investor rates
  • Portfolio loan options
  • DSCR loans available

Jumbo Loans

Finance luxury homes and high-value properties across Texas metro areas.

  • Loans up to $3 million
  • Competitive jumbo rates
  • Flexible underwriting
  • Interest-only options

VA Loans

Thank you for your service. We're proud to help Texas veterans become homeowners.

  • Zero down payment
  • No PMI required
  • Competitive VA rates
  • IRRRL streamline refi

Rural & USDA

100% financing for homes in eligible Texas rural areas and small communities.

  • No down payment
  • Below-market rates
  • Flexible credit guidelines
  • Reduced MI costs

Quick Rate Quote

Today's Estimated Rate

6.125%

30-Year Fixed | APR 6.28%

Why Texas Homebuyers Choose Us

With over two decades serving Texas families, we understand the local market and deliver mortgage solutions that fit your lifestyle and budget.

Pre-approval in as fast as 24 hours
Lock in your rate for up to 90 days
Dedicated loan officer throughout
Local Texas support - never outsourced

Your Path to Homeownership

Our streamlined mortgage process gets you from application to closing with confidence and clarity.

1

Apply Online

Complete our simple application in minutes. Upload documents securely and get started fast.

2

Get Pre-Approved

Receive your pre-approval letter and know exactly how much home you can afford.

3

Find Your Home

Shop with confidence knowing your financing is secure. We work with your timeline.

4

Close & Celebrate

Sign, get your keys, and move into your Texas dream home. Welcome home!

What Texas Families Are Saying

Real stories from real customers who trusted us with their home financing.

"As first-time buyers in Austin, we were nervous about the mortgage process. TX Mortgage made everything so simple. They got us an amazing rate and we closed two weeks early!"

Customer
Maria & Carlos R.
Austin, TX - First Home Buyers

"I refinanced with TX Mortgage and saved over $400/month. The process was smooth, the team was professional, and they always answered my calls. Highly recommend!"

Customer
Robert Johnson
Houston, TX - Refinance

"As a veteran, I wanted to use my VA benefits. TX Mortgage walked me through every step and got me into my dream home with zero down. Outstanding service!"

Customer
James Wilson
San Antonio, TX - VA Loan

Mortgage Resources & Tips

Stay informed with the latest mortgage news, tips, and market insights for Texas homebuyers.

Blog Post
First-Time Buyers

Texas First-Time Homebuyer Programs You Need to Know

Discover down payment assistance and special programs available exclusively for Texas first-time buyers.

Read More
Blog Post
Market Update

Texas Housing Market 2025: What Buyers Should Expect

Expert analysis on Texas real estate trends, interest rate forecasts, and buying opportunities.

Read More
Blog Post
Tips & Guides

How to Boost Your Credit Score Before Applying

Practical steps to improve your credit and qualify for better mortgage rates in 30-60 days.

Read More

Get Texas Rate Alerts & Tips

Subscribe to receive weekly mortgage rate updates and homebuying tips for Texans.

No spam, unsubscribe anytime. We respect your privacy.

document.getElementById('newsletterEmail').value = ''; setTimeout(() => { button.textContent = originalText; button.style.background = ''; button.disabled = false; }, 3000); } else { throw new Error('Subscription failed'); } } catch (error) { button.textContent = 'Try Again'; button.style.background = '#e74c3c'; setTimeout(() => { button.textContent = originalText; button.style.background = ''; button.disabled = false; }, 3000); } }); // Quote Form Handler function submitQuote() { alert('Thank you! A Texas mortgage specialist will contact you within 24 hours with your personalized quote.'); } // Dev.to Blog Integration async function loadBlogPosts() { try { const response = await fetch('https://dev.to/api/articles?tag=mortgage&per_page=3'); const posts = await response.json(); if (posts && posts.length > 0) { const container = document.getElementById('blogContainer'); container.innerHTML = posts.map(post => `
${post.title}
${post.tag_list[0] || 'Mortgage'}

${post.title}

${post.description || post.title}

Read More
`).join(''); initScrollAnimations(); } } catch (error) { console.log('Using default blog content'); } } // Navbar Scroll Effect window.addEventListener('scroll', function() { const navbar = document.querySelector('.navbar'); if (window.scrollY > 50) { navbar.classList.add('scrolled'); } else { navbar.classList.remove('scrolled'); } }); // Scroll Animations function initScrollAnimations() { const observer = new IntersectionObserver((entries) => { entries.forEach(entry => { if (entry.isIntersecting) { entry.target.classList.add('visible'); } }); }, { threshold: 0.1 }); document.querySelectorAll('.fade-up').forEach(el => observer.observe(el)); } // Smooth Scrolling document.querySelectorAll('a[href^="#"]').forEach(anchor => { anchor.addEventListener('click', function(e) { e.preventDefault(); const target = document.querySelector(this.getAttribute('href')); if (target) { target.scrollIntoView({ behavior: 'smooth', block: 'start' }); } }); }); // Initialize document.addEventListener('DOMContentLoaded', function() { loadBlogPosts(); initScrollAnimations(); });