Texas Mortgage Resources
Texas Mortgage & Home Loans
Serving all of Texas — VA, FHA, USDA, Conventional and more
Compare loan types, calculate your monthly payment, and connect with licensed Texas real estate agent Claudio C. Carrizal for a free consultation.
Connect with a Texas Mortgage Expert — Free Consultation →Mortgage Resources by Metro Area
Texas Mortgage & Loan Programs
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VA Home Loans
0% down for military & veterans
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FHA Loans
3.5% down, flexible credit requirements
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USDA Loans
0% down in eligible rural areas
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First Time Buyer
Down payment assistance programs
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Refinance
Lower your rate or cash out equity
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Home Equity
Tap equity — Texas 80% rule applies
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Jumbo Loans
Homes priced above $766,550
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Mortgage Calc
Estimate your monthly payment
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Affordability
How much home can you afford?
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Texas Mortgage Calculator
Texas Mortgage FAQs
What mortgage programs are available in Texas?
Texas buyers can choose from VA loans (0% down for military/veterans), FHA loans (3.5% down, 580+ FICO), USDA rural loans (0% down in eligible areas), conventional loans (3–20% down), and jumbo loans for homes above $766,550. Texas also has no state income tax, which increases effective buying power compared to other states.
What is the Texas First Time Homebuyer Program?
The Texas First Time Homebuyer Program (My First Texas Home) through TDHCA offers down payment and closing cost assistance up to 5% of the loan amount, combined with below-market fixed interest rates. Income limits apply (typically 80–115% of area median income) and buyers must complete an 8-hour homebuyer education course. Available for conventional, FHA, VA, and USDA loans.
How does Texas property tax affect my mortgage payment?
Texas has no state income tax but relatively high property taxes averaging 1.6–2.5% of assessed home value annually. On a $350,000 home, taxes add $466–$729/month to your payment through escrow. This is a significant addition compared to states with lower property taxes. The homestead exemption saves $40,000 in taxable value for owner-occupied primary residences.
What is the conforming loan limit in Texas for 2024?
The 2024 FHFA conforming loan limit for all Texas counties is $766,550 for a single-family home. Mortgages above this amount are jumbo loans requiring different qualification standards. Texas does not have any high-cost areas (unlike coastal California or New York) so the limit is the same statewide. VA loan limits follow the same $766,550 threshold for 0% down.
Is it better to use a VA, FHA, or conventional loan in Texas?
For eligible veterans and military, VA loans are almost always the best option in Texas: no down payment, no PMI, competitive rates, and strong lender competition in military-heavy cities like San Antonio, Fort Worth, and Corpus Christi. For non-veterans with limited savings, FHA provides the most flexible path (3.5% down). Conventional loans make more sense for buyers with 10–20% down and 700+ credit scores who want to avoid FHA's mortgage insurance premium.
We'll connect you with a licensed Texas mortgage professional who specializes in your loan type. Free consultation, no obligation.
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TX CCCRES
Free Mortgage Consultation — No Obligation
Claudio C. Carrizal is a licensed Texas REALTOR® with CCCRES serving all of Texas. Get connected with VA, FHA, USDA, and conventional mortgage resources — always free.
CCCRES.COM is a licensed real estate brokerage. Mortgage consultations are provided through licensed third-party mortgage professionals. Claudio C. Carrizal CCCRES | CCCRES. This is not a commitment to lend. All loans subject to credit approval.