Our Latest Blogs
First-Time Home Buyer in Dallas-Fort Worth: Your Complete 2026 Guide
Dallas-Fort Worth is one of the fastest-growing metro areas in the country, and for first-time home buyers, the market offers both opportunity and competition. With a diverse range of neighborhoods, school districts, and price points, DFW has options for nearly every budget — if you know where to look and how to prepare. Texaslending has been headquartered in Dallas and serving DFW home buyers for years, earning the Consumer’s Choice Award for our commitment to service. This guide covers the
Texas Property Tax Guide for Homeowners: Exemptions, Rates & How to Protest in 2026
Property taxes are one of the largest ongoing costs of homeownership in Texas. Because the state has no income tax, local governments rely heavily on property taxes to fund schools, roads, and public services. Understanding how the system works — and the tools available to reduce your bill — can save you thousands of dollars over the life of your mortgage. This guide breaks down how Texas property tax rates work, how to claim your Texas homestead exemption, and how
Home Buying: The Mortgage Process
Our goal is to make the mortgage process as quick and easy as possible for you. If you are thinking about buying a home, it helps to know what lies ahead. This list explains the basic steps of the mortgage process to help you understand what is happening with your loan and what you can do during the process. What is happening at Texas Lending: One of our licensed loan officers will talk with you about your mortgage options and
What is a Rate and Term Refinance?
It’s not every day that the average person thinks about mortgages. In fact, most American homeowners will make a mortgage transaction fewer than 7 times in their lives. When you get a “Rate and Term” refinance, you are adjusting the variables of your mortgage to better fit your financial needs. A few reasons to refinance your mortgage are to lower the interest rate and save on the total interest you will pay, adjust the term of the loan to pay
How Long Does It Take to Close a Mortgage in Texas? Your Complete 2026 Guide
One of the most common questions Texas homebuyers and homeowners ask is how long the closing process actually takes. Whether you are purchasing your first home in Houston, refinancing to a lower rate in Dallas, or exploring a home equity loan Dallas Texas option, understanding the timeline from application to keys in hand helps you plan ahead and avoid surprises. According to ICE Mortgage Technology, the national average time to close a purchase mortgage was 42 days as of mid-2025.
How to Remove PMI From Your Mortgage: A Guide for Texas Homeowners
If you bought your home with a smaller down payment, you may be paying private mortgage insurance, often called PMI. It protects the lender, not you, so understandably most homeowners want to stop paying it as soon as they reasonably can. The encouraging news is that PMI is not necessarily permanent. For many homeowners, it is a temporary cost that can be removed once they have built enough equity. Knowing how the process works puts you in control of when
Home Equity Loans in Texas: Your Complete Guide to Accessing Your Home’s Value
If you’re a Texas homeowner looking to tap into your home’s value, you’ve come to the right place. At Texaslending.com, we have been helping Texans with home equity loans for more than 25 years. Whether you’re in Dallas, Fort Worth, Houston, Austin, or anywhere across the Lone Star State, understanding how home equity loans in Texas work is the first step toward making a smart financial decision. With American households holding over $34 trillion in home equity nationwide, Texas homeowners
Maximize Your Home Equity in Texas: Smart Strategies for 2026
Your home is more than a place to live. For many Texas homeowners, it is also the single largest financial asset they own. And in 2026, that asset has likely grown substantially. Nationwide, home equity in Texas and across the country has reached record levels. According to Cotality, the average mortgage-holding homeowner now sits on approximately $299,000 in equity, with roughly $195,000 of that considered tappable. In Texas specifically, homeowners who purchased their homes just a few years ago may
