Mortgage guidance across the Lone Star State
Texas is one of the most active real estate markets in the country — and one of the most diverse. From sprawling suburban neighborhoods in the DFW metroplex to urban condos in Austin and single-family homes in San Antonio, the Texas market has something for buyers and investors at nearly every price point. Our team connects Texas borrowers with licensed professionals who understand this market inside and out.
None
State Income Tax
Dallas–Fort Worth
Largest Metro
Top 3 nationally
Population Growth
Financing for every type of Texas borrower
Buying a home in Texas
Texas is a large, competitive market — especially in Austin, Dallas, and Houston. Buyers who come in pre-approved and prepared tend to move faster and negotiate better. We connect first-time buyers and move-up buyers with lenders experienced in Texas purchase transactions, and help you understand what to expect from offer to close in this market.
Learn more about buying your first homeRefinancing in Texas
Texas has unique homestead laws that govern cash-out refinancing — including a cap on how much equity you can pull and specific requirements for primary residences. If you're considering a rate-and-term refinance or a cash-out refi, we'll connect you with professionals who know Texas refinance rules and can structure your loan correctly.
Explore refinancing optionsInvesting in Texas real estate
Strong job growth across Dallas, Houston, Austin, and San Antonio drives consistent rental demand throughout the state. Texas landlord laws are generally favorable to property owners, and the lack of state income tax improves net cash flow calculations for investors. We work with investors buying single-family rentals, small multifamily, and short-term rental properties across Texas.
Learn more about investor lendingTexas-specific considerations
Every state has its own rules, costs, and market norms. Here's what matters most when financing a property in Texas.
Property taxes are high
Texas funds public services through property taxes rather than an income tax. Effective rates often run between 1.5% and 2.5% annually, which meaningfully impacts your monthly payment. Make sure your lender is calculating PITI accurately for your specific county.
Homestead exemptions matter
Texas offers a homestead exemption that can reduce the taxable value of your primary residence by $100,000 (for school district taxes). Filing for this exemption after closing can lower your property tax bill — your lender may or may not factor this into escrow projections upfront.
Title and closing norms
Texas uses attorneys or title companies to handle closings, and closings tend to move quickly once all conditions are cleared. Understanding the timeline — typically 21–30 days for most purchase loans — helps you plan your moving and inspection schedule.
Ready to get started in Texas?
Tell us about your situation and we'll connect you with a licensed mortgage professional who knows the Texas market.