Find the Right Home Loan Program in Texas

Whether you’re buying your first home, refinancing, or investing, I’ll help you find the best loan option for your goals and financial situation.

Explore Loan Options by Category

Choose from a variety of mortgage programs designed to fit your lifestyle, income, and goals. Click below to learn more about each type of loan available in Texas.

Conventional & Affordable Options (for most buyers)

Conventional Loan

Low down payment options with cancellable PMI.

FHA Loan

3.5% down and flexible credit requirements.

VA Loan

$0 down for eligible veterans and service members.

USDA Loan

Zero-down financing for eligible rural areas.

Refinance Options for Texas Homeowners

Cash-Out Refinance

Unlock your home equity for cash, debt payoff, or upgrades.

Rate-And-Term Refinance

Lower your rate or shorten your term for long-term savings.

FHA Streamline Refinance

Simplify your FHA loan with no appraisal or income check.

VA IRRRL (VA Streamline Refinance)

Fast, no-hassle refinance exclusively for veterans and service members.

Affordable & Inclusive Loan Programs

HomeReady® Loan

3% down with reduced PMI for moderate income.

Home Possible® Loan

3% down with flexible income limits.

ITIN Loan

Buy with an ITIN, no SSN required.

Foreign National Loan

Finance Texas homes as a non-U.S. citizen.

Self-Employed & Alternative Income Loans

Bank Statement Loan

Qualify using 12–24 months of deposits.

1099-Only Loan

Use 1099 income—no W-2s required.

CPA / P&L Loan

Qualify with a CPA-prepared P&L statement.

Asset-Depletion Loan

Use assets as income for qualification.

Investor & Specialty Programs

DSCR Loan

Qualify using property cash flow, not W-2s.

Interest-Only Loan

Lower payments for flexible cash flow.

Non-Warrantable Condo Loan

Finance condos outside agency guidelines.

Jumbo Loan

High-balance loans for luxury properties.

Not Sure Which Loan Is Right for You?

Let’s talk through your goals and find the best program for your situation — no pressure, no commitment.

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