Specializing exclusively in Texas mortgage lending. We know the Texas market inside and out — from FHA and VA loans to jumbo mortgages and investment properties. Get pre-approved in minutes with personalized service from local mortgage professionals who understand your community.
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Comprehensive Texas mortgage lending solutions tailored to your unique financial situation. Transparent terms, competitive rates, and expert guidance at every step.
Competitive conventional mortgages tailored for the Texas market. Fixed and adjustable rates with local underwriting for faster closings.
Government-backed loans with low down payments, designed for Texas homebuyers. County-specific loan limits across all 254 Texas counties.
Proud to serve Texas veterans and military families with zero-down VA loans. Fast processing with dedicated military liaison officers.
For homes above conforming limits. Custom jumbo mortgage solutions for luxury properties and high-value Texas real estate markets.
Our streamlined process makes it easy to get started. From application to funding, we keep things simple, fast, and transparent.
Complete our simple online application in just a few minutes. We collect only the essential information needed to evaluate your request quickly and accurately.
Our experts analyze your situation and present you with personalized options. We explain everything clearly so you can make an informed decision with confidence.
Once you choose your preferred option, we fast-track the approval process. Our team handles the paperwork and verification efficiently to minimize delays.
Approved funds are deposited directly to your account. We keep you informed throughout the entire process with real-time status updates and dedicated support.
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Real stories from real clients who trusted MortgageLoanTX to help them achieve their financial goals.
"Moving to Austin from out of state, we needed a lender who really knew the Texas market. MortgageLoanTX not only got us a great rate but helped us understand the specific property tax implications and homestead exemptions. We closed on our dream home in under 25 days. Their local knowledge made all the difference."
"As active military stationed at Fort Cavazos, I needed a lender who understood military moves and VA loan specifics. The team was incredible — they worked around my deployment schedule, handled everything efficiently, and got me into a beautiful home near post. Best lending experience I have ever had."
"We thought we could not afford a home, but MortgageLoanTX showed us the FHA options available in Bexar County. They found assistance programs we did not know existed and helped us get into our first home with minimal out of pocket. The kids finally have a backyard. We are so grateful."
Our free calculator suite helps you make informed financial decisions. Whether you are estimating loan payments, planning debt payoff strategies, or projecting compound growth, our tools provide the clarity you need to move forward with confidence.
Stay informed with our regularly updated blog featuring expert advice on personal finance, credit building, debt management, investment strategies, and comprehensive financial planning guides designed to help you make smarter money decisions.
Texas offers exceptional first-time homebuyer programs and tax advantages unavailable in most states.
More of your income available for mortgage payments
Down payment assistance grants — no repayment required
Reduce property tax bill — apply with county appraisal district
Below-market rates + 5% DPA for qualifying first-time buyers
| County | Avg. Effective Rate | On $350K Home |
|---|---|---|
| Travis (Austin) | ~1.97% | ~$6,895/yr |
| Harris (Houston) | ~2.13% | ~$7,455/yr |
| Bexar (San Antonio) | ~2.09% | ~$7,315/yr |
| Dallas | ~2.18% | ~$7,630/yr |
| Tarrant (Ft. Worth) | ~2.26% | ~$7,910/yr |
Rates are approximate. Homestead exemption of $100K reduces taxable value for school district taxes, lowering your actual bill.
On a $350,000 home with 20% down ($280,000 loan) — which term is right for you?
| Factor | 30-Year Fixed | 15-Year Fixed |
|---|---|---|
| Rate (avg. 2025) | ~6.85% | ~6.15% (lower) |
| Monthly P&I | $1,838 (lower) | $2,381 |
| Total Interest | $381,727 | $148,545 |
| Interest Savings | — | $233,182 saved |
| Best For | Lower payments, first-time buyers, cash-flow flexibility | Pay off faster, save on interest, higher income |
For estimation purposes only. Consult a licensed mortgage professional for actual rates and qualification.