Buy the first home
Build a realistic price range, cash plan and offer strategy before shopping.
Home / Texas home loans
Texas home loans for real life
Home is the goal. The mortgage should make sense.
Buying your first place, moving up, building, refinancing or using the equity you’ve earned? We’ll educate you every step of the way on the loan programs you qualify for. Compare the payments, cash and long-term tradeoffs before you commit. We go at your pace.
Home financing available for qualifying residential properties in Texas
Choose the goal
The program comes second.
Your transaction and financial position determine which mortgage paths deserve a serious comparison.
Buy the next home
Coordinate the current home, equity, contingencies and the new payment.
Build or renovate
Align plans, builder, budget, appraisal and draw structure before the dirt moves.
Refinance with purpose
Measure break-even, cash flow, term and total cost—not just the headline rate.
Core loan paths
Options without the alphabet soup.
Conventional
Flexible purchase and refinance options under eligible Fannie Mae, Freddie Mac and lender guidelines.
Open the guideFHA
Government-insured primary-residence purchase and eligible refinance paths for qualified Texas borrowers.
Open the guideVA
An earned primary-residence benefit for eligible Veterans, service members and qualifying surviving spouses.
Open the guideUSDA
Eligible zero-down purchase financing for qualifying Texas households and rural properties.
Open the guideJumbo
Higher-balance financing structured around liquidity, reserves, property and complex income.
Open the guideDown-payment assistance
State and local programs that may reduce eligible upfront cash with separate terms and conditions.
Open the guideRedZone does not advertise FHA cash-out, VA cash-out or USDA cash-out refinancing as available Texas products. Program availability, eligibility, pricing and guidelines can change. Official starting points: HUD / FHA, VA Home Loans, and USDA Rural Development.
Explore your part of North Texas
Six counties. Different ways to call Texas home.
Explore local cities, active new-construction communities and family destinations, then compare financing before committing to a builder or a home.
Official community and destination research checked October 9, 2026. Builder availability, incentives and inventory change. These links do not imply an affiliation or preferred-lender relationship.
The decision framework
Four numbers matter more than the loan label.
- 01Cash to close
Down payment, closing costs, reserves and money left afterward.
- 02Monthly obligation
Principal, interest, taxes, insurance, HOA and mortgage insurance.
- 03Flexibility
Prepayment, future refinance, property plans and expected time in the home.
- 04Total cost
Points, lender fees, interest and the timeline needed to recover upfront costs.
Straight answers
Common home-loan questions.
How much home can I safely afford?
The maximum approval and the comfortable payment are not always the same. We model the full housing payment, monthly debts, cash after closing and your real-life budget.
Should I choose the lowest rate?
Not automatically. A lower rate may carry higher upfront cost. The better option depends on how long you expect to keep the loan and how you value cash today.
How early should I get pre-approved?
Before serious home shopping. Early review gives you time to correct credit, document income, compare structures and avoid solving preventable problems during a contract deadline.
Can self-employed income qualify?
Yes. The documentation and calculation depend on the business, tax returns, ownership, history and loan program. Alternative-documentation options may also be available.
What does pre-approval actually mean?
It should reflect a review of documented income, assets and credit, subject to the property, appraisal, title, final verification and underwriting conditions.
Build the plan before the pressure