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Texas Mortgage Experts Since 2008

Texas Home Loans — Local Expertise, Unbeatable Rates

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.

$3B+

TX Loans Funded

35K+

TX Families

4.8/5

Rating

21 day

Avg Close

Featured Rate

5.85%
30-Year Fixed | Texas Rates
Check Your Rate

No obligation. Checking your rate is free.

Our Services

Comprehensive Texas mortgage lending solutions tailored to your unique financial situation. Transparent terms, competitive rates, and expert guidance at every step.

Texas Conventional

Competitive conventional mortgages tailored for the Texas market. Fixed and adjustable rates with local underwriting for faster closings.

From 5.85% APR
  • Up to $726,200
  • Texas-specific programs
  • Local underwriting
  • Fast pre-approval
  • Rate lock protection

Texas FHA

Government-backed loans with low down payments, designed for Texas homebuyers. County-specific loan limits across all 254 Texas counties.

From 6.15% APR
  • County loan limits
  • 3.5% down payment
  • Texas-based processing
  • First-time buyer programs
  • Seller concessions

Texas VA Loans

Proud to serve Texas veterans and military families with zero-down VA loans. Fast processing with dedicated military liaison officers.

From 5.50% APR
  • Zero down payment
  • No PMI
  • Texas vet benefits
  • Military relocation
  • Fast VA processing

Texas Jumbo

For homes above conforming limits. Custom jumbo mortgage solutions for luxury properties and high-value Texas real estate markets.

From 6.49% APR
  • Above $726,200
  • Competitive jumbo rates
  • Flexible terms
  • Investment properties
  • Ranch and land loans

How It Works

Our streamlined process makes it easy to get started. From application to funding, we keep things simple, fast, and transparent.

1

Apply Online

Complete our simple online application in just a few minutes. We collect only the essential information needed to evaluate your request quickly and accurately.

2

Review Options

Our experts analyze your situation and present you with personalized options. We explain everything clearly so you can make an informed decision with confidence.

3

Get Approved

Once you choose your preferred option, we fast-track the approval process. Our team handles the paperwork and verification efficiently to minimize delays.

4

Receive Funds

Approved funds are deposited directly to your account. We keep you informed throughout the entire process with real-time status updates and dedicated support.

256-bit SSL

Bank-level encryption

A+ Rated

Accredited business

Trusted

Thousands served

No Hidden Fees

Complete transparency

Top Rated

Excellent reviews

Licensed

Regulated services

What Our Clients Say

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."

Robert & Maria G.
Conventional Mortgage - $340,000 | Austin, TX

"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."

Captain James W.
VA Loan - $290,000 | Killeen, TX

"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."

The Patterson Family
FHA Loan - $225,000 | San Antonio, TX

Powerful Financial Tools

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.

  • Loan Payment Calculator with Full Amortization
  • Debt Snowball and Avalanche Payoff Planner
  • Compound Interest Growth Calculator
  • Monthly Budget Planner with 50/30/20 Analysis
  • Credit Score Estimator with Improvement Tips
  • APR Comparison Tool for Loan Shopping
Open Calculator Suite

Expert Financial Blog

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.

  • Money-Saving Strategies That Actually Work
  • Complete Credit Building and Rebuilding Guide
  • Debt Payoff Methods: Snowball vs. Avalanche
  • Investment Basics for Beginners
  • Comprehensive Financial Planning Roadmap
Read Our Blog

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