From the Panhandle to the Gulf Coast, we deliver mortgage solutions crafted for the unique Texas real estate landscape. Competitive rates, local expertise, and a commitment to getting you into your Texas home faster.
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Comprehensive Texas mortgage solutions solutions tailored to your unique financial situation. Transparent terms, competitive rates, and expert guidance at every step.
Whether it is your first home or your forever home, our purchase loans offer competitive rates and flexible terms designed for Texas buyers.
Lower your rate, shorten your term, or tap into your home equity with our Texas refinance programs. Streamlined process with minimal paperwork.
Access your home equity for renovations, debt consolidation, or major purchases. Competitive rates on Texas cash-out refinancing.
Specialized financing for rural properties, ranch land, and agricultural real estate across Texas. USDA and specialized rural lending programs.
Our streamlined process makes it easy to get started. From application to funding, we keep things simple, fast, and transparent.
Complete our simple online application in just a few minutes. We collect only the essential information needed to evaluate your request quickly and accurately.
Our experts analyze your situation and present you with personalized options. We explain everything clearly so you can make an informed decision with confidence.
Once you choose your preferred option, we fast-track the approval process. Our team handles the paperwork and verification efficiently to minimize delays.
Approved funds are deposited directly to your account. We keep you informed throughout the entire process with real-time status updates and dedicated support.
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Real stories from real clients who trusted TX Mortgage Loan to help them achieve their financial goals.
"We could not be happier with our experience. The team understood the El Paso market perfectly and found us a loan program that saved us thousands over the life of the mortgage. Closing was seamless and they even coordinated with our realtor to ensure everything went smoothly."
"I used a cash-out refinance through TX Mortgage Loan to renovate my ranch house and consolidate some debt. They made the process simple, got me a great rate, and the funds were available quickly. The renovation is done and my monthly payment actually went down. Win-win."
"Living in a rural area, we thought our options were limited. TX Mortgage Loan showed us the USDA loan program and we qualified for zero down payment. The entire process from application to closing took less than a month. We are finally homeowners thanks to their expertise."
Our free calculator suite helps you make informed financial decisions. Whether you are estimating loan payments, planning debt payoff strategies, or projecting compound growth, our tools provide the clarity you need to move forward with confidence.
Stay informed with our regularly updated blog featuring expert advice on personal finance, credit building, debt management, investment strategies, and comprehensive financial planning guides designed to help you make smarter money decisions.
Texas offers exceptional first-time homebuyer programs and tax advantages unavailable in most states.
More of your income available for mortgage payments
Down payment assistance grants — no repayment required
Reduce property tax bill — apply with county appraisal district
Below-market rates + 5% DPA for qualifying first-time buyers
| County | Avg. Effective Rate | On $350K Home |
|---|---|---|
| Travis (Austin) | ~1.97% | ~$6,895/yr |
| Harris (Houston) | ~2.13% | ~$7,455/yr |
| Bexar (San Antonio) | ~2.09% | ~$7,315/yr |
| Dallas | ~2.18% | ~$7,630/yr |
| Tarrant (Ft. Worth) | ~2.26% | ~$7,910/yr |
Rates are approximate. Homestead exemption of $100K reduces taxable value for school district taxes, lowering your actual bill.
On a $350,000 home with 20% down ($280,000 loan) — which term is right for you?
| Factor | 30-Year Fixed | 15-Year Fixed |
|---|---|---|
| Rate (avg. 2025) | ~6.85% | ~6.15% (lower) |
| Monthly P&I | $1,838 (lower) | $2,381 |
| Total Interest | $381,727 | $148,545 |
| Interest Savings | — | $233,182 saved |
| Best For | Lower payments, first-time buyers, cash-flow flexibility | Pay off faster, save on interest, higher income |
For estimation purposes only. Consult a licensed mortgage professional for actual rates and qualification.