Frequently Asked Questions
What is MortgageLoanTX?
MortgageLoanTX is an independent, informational website for people buying or refinancing a home in Texas. It explains mortgage types, closing costs, property taxes and homebuyer programs, and offers simple calculators for planning.
Does MortgageLoanTX offer loans, pre-approvals, rate quotes, property listings or loan applications?
No. Informational only. MortgageLoanTX is not a lender, mortgage broker or loan originator, is not NMLS-licensed, and does not take loan applications or offer rates.
Who writes the articles?
Articles are written for general readers and updated periodically. They are not tailored to any individual situation and may not reflect the most recent rule changes, so please confirm important details with the official source.
How can I check a company or professional before working with them?
Search the company and the loan officer on NMLS Consumer Access (nmlsconsumeraccess.org) and compare official Loan Estimates.
Are the calculators accurate?
The calculators give rough estimates based on the numbers you enter and simplified assumptions. They are useful for planning but are not quotes, offers or official calculations.
How do I contact the site?
Use the contact page. Please do not send Social Security numbers, account numbers or other sensitive information.
Checks every Texas borrower can make
- Look up any mortgage company or loan officer on NMLS Consumer Access (nmlsconsumeraccess.org) before sharing personal information.
- In Texas, residential mortgage loan originators are licensed or registered through state regulators such as the Department of Savings and Mortgage Lending.
- Lenders must give you a Loan Estimate within three business days of a complete application, and a Closing Disclosure at least three business days before closing.
- Compare offers on APR and total closing costs, not just the interest rate.
- Apply for your residence homestead exemption with your county appraisal district to reduce your property-tax bill.
Informational only. MortgageLoanTX is not a lender, mortgage broker or loan originator, is not NMLS-licensed, and does not take loan applications or offer rates.