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Written by a licensed Texas loan officer

How mortgages
actually work in Texas

Texas has its own rules — constitutional home equity law, property taxes that reshape affordability, loan limits that surprise people. These are the plain-English explanations we wished existed when clients asked.

Texas mortgage guides

Start here

Deep explainers on the rules that actually change your loan in Texas.

Loan Programs
You Earned the Best Terms in the Market — and Most Veterans Never Use Them.
A plain-language guide to the VA home loan for Texas veterans and active-duty buyers: how zero down, no monthly mortgage insurance, entitlement, holding two loans at once, and the disability benefits that cut both your funding fee and your property taxes actually work.
9 min read · Read guide →
Relocating to Austin
Everyone Moves Here for 'No Income Tax.' That's Not the Part That Shapes Your Budget.
A relocation guide to moving to Austin for out-of-state buyers — how the Texas tax tradeoff, where you buy, and relocation timing actually reshape your monthly housing cost.
8 min read · Read guide →
Taxes & Costs
Your Fixed Rate Is Locked. Your Payment Isn't.
A fixed-rate loan locks your principal and interest — not your property taxes or insurance. Here's why Texas mortgage payments change, and what first-time buyers can do about it.
6 min read · Read guide →
Investor Strategy
The BRRRR method in Texas: how investors actually finance it
How the BRRRR method — Buy, Rehab, Rent, Refinance, Repeat — actually gets financed in Texas: the fix-and-flip loan that funds the buy and rehab, the DSCR refinance that qualifies on rental income, and how Texas property taxes change the math.
9 min read · Read guide →
First-Time Buyers
Texas down payment assistance: the programs most buyers never check
Texas runs two statewide assistance agencies and dozens of local programs, and income limits are consistently higher than people assume. The most common reason buyers miss out isn't ineligibility — it's never asking.
8 min read · Read guide →
Texas Law
Texas Section 50(a)(6): the home equity rules that exist nowhere else
Texas is the only state that writes home-equity borrower protections into its constitution. If you're taking cash out of your Texas homestead — by cash-out refinance or HELOC — these rules govern the transaction.
9 min read · Read guide →
Limits & Programs
2026 Texas loan limits: where jumbo begins, and why FHA is a different line entirely
The 2026 conforming loan limit is $832,750 across every Texas county — no Texas county is high-cost. FHA limits are separate and much lower, ranging from $541,287 to $571,550 depending on metro.
6 min read · Read guide →
Taxes & Costs
Texas property taxes, MUD and PID districts: what they do to your mortgage
Texas has no state income tax and funds local services through property taxes instead. That trade lands inside your monthly mortgage payment — and it's the most common reason a relocating buyer's budget doesn't survive contact with reality.
8 min read · Read guide →
Self-Employed
Getting a Texas mortgage when your tax returns understate what you earn
Write-offs that are smart at tax time can be expensive at mortgage time. If your Schedule C says one thing and your bank account says another, there's a documented path — and it's more common in Texas than most borrowers realize.
8 min read · Read guide →

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This is not a commitment to lend. All loans subject to credit approval, income and asset verification, and property appraisal. Rates and terms vary and are not guaranteed.