Texas Home Loans
Texas Mortgages for Big Metros, Hill Country and the Coast
Texas is big, and so is the range of home loan choices across it. The Smith Mortgage Group helps buyers in Houston, Dallas-Fort Worth, Austin, San Antonio and Corpus Christi compare VA, FHA, jumbo and conventional loans, then move to closing with clear guidance. See what you qualify for without a hard credit pull.
Get Your Texas Rate Quote
No hard credit pull. No obligation. A response within two business hours.
Loading the secure contact form… If it doesn't appear, call or text 931-205-9873 or email sterling.smith@fcmhomeloans.com.
Local Expertise, Nationwide Strength
Financing Homes Across the Lone Star State
Texas has no state income tax, a diverse economy built on energy, technology, health care, logistics and agriculture, and several of the country's largest and fastest-growing metropolitan areas. That combination draws a steady stream of new residents, and housing markets in Houston, Dallas-Fort Worth, Austin and San Antonio stay busy as a result. At the same time, plenty of Texans buy in smaller cities, coastal towns and rural counties where the pace is slower and land is easier to come by. The Smith Mortgage Group, Powered by FCM, is licensed to lend in Texas and every other state.
Sterling Smith works directly with each Texas client, so you have one point of contact from pre-qualification to closing. We start without a hard credit pull, compare the loan programs available to you, and can issue pre-approval decisions in as little as 24 hours. Most loans close in 30 to 45 days. If you are buying for the first time, our homebuyer guide explains each stage, and our process timeline shows what happens after you go under contract. Questions along the way get a response within two business hours.
Start your Texas pre-approval →Where We Lend
Texas metro areas we serve
- Austin The state capital, home of the University of Texas and a major tech hub, with growth spilling north to Round Rock and Georgetown and south toward San Marcos. Austin mortgages →
- Corpus Christi A Coastal Bend port city where energy jobs, Naval Air Station Corpus Christi and beach towns like Portland and Rockport shape buyer demand along the Gulf. Corpus Christi mortgages →
- Dallas-Fort Worth A massive North Texas Metroplex spanning Dallas, Fort Worth, Plano, Arlington and Frisco, with corporate headquarters, new master-planned communities and a wide range of price points. Dallas-Fort Worth mortgages →
- Houston The Gulf Coast energy capital and a sprawling metro where buyers choose among inner-loop neighborhoods and suburbs like Katy, Sugar Land, Pearland and The Woodlands. Houston mortgages →
- San Antonio A large, historic and relatively affordable metro anchored by Joint Base San Antonio, with buyers also looking toward New Braunfels, Schertz and Boerne for space. San Antonio mortgages →
Buying in Texas
Texas-Specific Considerations for Homebuyers
Texas funds much of its local government through property taxes rather than an income tax, so taxes are often a larger part of the monthly payment than buyers from other states expect. Homestead exemptions can reduce the taxable value of a primary residence once you apply. Many newer subdivisions also include municipal utility district or special district assessments, along with HOA dues. Be sure to include all of those costs when you estimate your monthly payment so your budget matches reality.
Weather and geography matter too. Coastal areas from Corpus Christi to Houston face hurricane exposure, which can mean separate windstorm coverage and flood insurance. North and Central Texas see hail and severe spring storms, and expansive clay soils can stress foundations in many regions. Texas also has its own rules for home equity and cash-out refinancing on a homestead, so refinancing works a little differently here. State and local down payment assistance programs may be available to Texas buyers, and our team can help you check eligibility.
Loan Programs
Loan Programs That Suit Texas Buyers
VA loans for Texas's deep military community
Texas hosts major installations including Joint Base San Antonio, Fort Hood and Naval Air Station Corpus Christi, plus a very large veteran population. VA loans typically offer 0% down for eligible borrowers and no monthly mortgage insurance, and FCM charges no lender fees on VA loans.
Jumbo loans in Austin, Dallas and Houston's premium neighborhoods
Higher-priced homes in areas like West Lake Hills, Highland Park or River Oaks often exceed conforming limits. Jumbo financing covers those larger purchases, usually with stronger credit, larger reserves and thorough income documentation as part of underwriting. We help you organize statements early so your file moves smoothly.
Construction loans for building in fast-growing Texas suburbs
Many Texans buy acreage or a lot on the edges of growing metros and build. One-time close construction-to-permanent financing can cover the land, construction and permanent mortgage with a single closing, simplifying a project that might otherwise require multiple loans.
Answers
Texas mortgage FAQs
Why are property taxes such a big deal when buying in Texas?
Texas does not have a state income tax, so local governments and school districts rely heavily on property taxes. That can make taxes a significant share of your monthly payment, especially in areas with special district assessments. We include realistic tax estimates in your pre-approval so there are no surprises later.
Are cash-out refinances different in Texas?
Yes. Texas has specific constitutional rules for home equity and cash-out loans on a homestead, including limits on how much equity you can access and required waiting periods. These rules protect homeowners but add steps. We explain how they apply to your situation before you decide. Our refinancing solutions page covers the basics.
Do I need windstorm insurance for a home on the Texas coast?
Many coastal properties, particularly along the Gulf from Corpus Christi to Galveston, require separate windstorm coverage because standard policies may exclude wind damage. Flood insurance may also be required depending on the flood zone. Getting quotes early helps you understand the full cost of coastal ownership.
Can I use a VA loan anywhere in Texas?
Yes. VA loans can be used throughout Texas for an eligible primary residence, whether you are near a military base or not. Most qualifying Texas veterans can buy with nothing down. Your eligibility depends on service history and your Certificate of Eligibility, and the home must meet VA property requirements.
Can I buy a Texas home with a builder's incentive and still use your financing?
Often, yes, though some builders tie incentives to their preferred lender. We can compare your full costs, including rate, fees and credits, against the builder's offer so you can choose the option that is truly best for you. Our loan comparison tool helps you see the difference.
Keep Exploring
Related resources
Start Today
Ready to buy or refinance in Texas?
Get a free, no-obligation consultation with Sterling Smith: clear answers, a side-by-side look at the programs you qualify for, and a plan built around your budget.