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Texas

Texas mortgage and investor loans

Quick answerWe arrange investor loans and owner-occupied home loans for Texas properties: DSCR, fix and flip, bank statement, FHA, VA, conventional and more. Our licensed states are growing, submit your scenario and we confirm the licensed team for Texas.
All programs available, we confirm the licensed team for your state

Texas at a glance for borrowers

  • No state income tax on wages, a plus for self-employed cash flow.
  • Community-property state: on FHA and VA loans, a spouse’s debts can count even if the spouse is not on the loan.
  • Texas home-equity cash-out on a homestead (Section 50(a)(6)) is capped at 80% of value with a 12-day notice and a 3-day right of rescission. Investment property cash-out is not subject to the homestead rules, which is one reason DSCR cash-out is popular with Texas investors.
  • Major markets we see: Houston, Dallas, San Antonio, Austin, Fort Worth, Arlington, Plano, El Paso, Corpus Christi, Frisco, McKinney, Lubbock, Killeen, Irving, Garland, Laredo, Amarillo, Waco, Round Rock, Pearland, Sugar Land, Conroe, College Station, Brownsville, McAllen, Denton, Midland, Tyler, Beaumont, Grand Prairie, Pasadena, Mesquite, Carrollton, Abilene, Richardson, Odessa, League City, The Woodlands, Lewisville, Allen, Wichita Falls, Edinburg, San Angelo, New Braunfels, Atascocita, Mission, Bryan, Baytown, Temple, Longview, Pharr, Cedar Park, Flower Mound, Missouri City, Mansfield, Harlingen, North Richland Hills, San Marcos, Georgetown, Victoria, Pflugerville, Rowlett, Spring, Euless, Leander, Wylie, DeSoto, Port Arthur, Galveston, Texas City, Grapevine.

Major Texas metros

Dallas-Fort Worth-Arlington

The nation largest inland metro pairs corporate headquarters and logistics employment with relatively affordable housing for its size. Borrowers find deep rental demand and diverse submarkets across two very different anchor cities, but hail-belt insurance and high property taxes shape every payment calculation.

Houston-The Woodlands-Sugar Land

Energy, medicine, and port logistics make Houston an employment powerhouse with no state income tax and relatively affordable homes for a top-five metro. Borrowers must underwrite flood and hurricane exposure carefully, especially near the coast and bayous, where insurance can rival the tax bill.

San Antonio-New Braunfels

Military bases, healthcare, and tourism anchor one of Texas most affordable large metros, with steady workforce rental demand. Borrowers get lower entry prices than the other big Texas metros, though property taxes still run high by national standards.

Austin-Round Rock-Georgetown

Tech-driven growth has made Austin the state premium market, with prices to match and relentless population inflow. Borrowers face stiff competition but benefit from deep tenant demand and strong long-term appreciation fundamentals.

El Paso

A border metro with military-driven stability, El Paso offers the lowest big-city prices in Texas and modest, predictable insurance costs. Borrowers trade explosive growth for affordability, steady workforce demand, and a market insulated from coastal and hail-belt insurance shocks.

Investor loans in Texas

Investor

DSCR Loans in Texas

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

DSCR Cash-Out Refinance in Texas

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Fix and Flip Loans in Texas

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

Short-Term Rental (Airbnb) DSCR Loans in Texas

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Investor

Bridge Loans in Texas

A bridge loan is short-term (usually 6–24 months) investor financing secured by real estate that “bridges” you from a purchase to a sale or long-term refinance.

Investor

Hard Money Loans in Texas

A hard money loan is a short-term investment-property loan from a private lender that approves mainly on the property’s value and the deal, not your income or credit history.

Investor

Ground-Up Construction Loans in Texas

An investor construction loan funds land (or a land payoff) and vertical construction of a new 1–4 unit home in draws, then is repaid by sale or a permanent refinance.

Investor

Foreign National Loans in Texas

A foreign national loan lets a non-US citizen who does not live in the US finance a US investment property or second home without a US credit history or Social Security number.

Investor

Multifamily Loans (5+ Units) in Texas

A multifamily loan finances apartment buildings with five or more units and is underwritten as a commercial loan on the property’s net operating income (NOI).

Investor

1031 Exchange Loans in Texas

A 1031 exchange loan finances the replacement property in a like-kind exchange, where investors defer capital gains tax by reinvesting sale proceeds into another investment property.

Home loans in Texas

Home loan

Bank Statement Loans in Texas

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in Texas

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

Home loan

VA Loans in Texas

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

Home loan

Conventional Loans in Texas

A conventional loan is a mortgage not insured by the government that follows Fannie Mae or Freddie Mac guidelines.

Home loan

First-Time Homebuyer Loans in Texas

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

Home loan

Cash-Out Refinance in Texas

A cash-out refinance replaces your current mortgage with a larger one and pays you the difference in cash, commonly up to 80% of your home’s value on a primary residence.

Home loan

Jumbo Loans in Texas

A jumbo loan is a mortgage larger than the FHFA conforming loan limit for your county, used for higher-priced homes.

Home loan

USDA Loans in Texas

A USDA loan is a mortgage guaranteed by the U.S.

Home loan

FHA 203(k) Renovation Loans in Texas

An FHA 203(k) loan finances both the purchase (or refinance) of a home and the cost of repairing it in a single FHA-insured mortgage, with as little as 3.5% down.

Home loan

Condo Loans in Texas

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Home loan

Second Home Loans in Texas

A second home loan finances a vacation or part-time residence you occupy for some of the year, often with as little as 10% down on a conventional loan.

Cities

Costs & taxes in Texas

FAQ

Do you offer mortgages in Texas?

Yes. We arrange both investor loans and owner-occupied home loans for Texas properties. Our licensed states are growing, submit your scenario and we will confirm the licensed loan officer for your state.

Can out-of-state investors buy rentals in Texas?

Yes. DSCR and fix and flip loans are based on the property, so you do not need to live in Texas.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

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