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Low Down Payment Mortgage Options
When you are saving to buy your first home, planning for a traditional 20% down payment can seem like a monumental task. The truth is that there are a number of low down payment mortgage options available today. Low Down Payment Mortgage Options at TexasLending.com Conventional Down Payment: 5% of the Home Purchase Price Credit Score Minimum: 620 You can qualify for a conventional mortgage with a minimum 5% down payment. This an achievable option for a low down payment
Is Now the Best Time for a Cash-Out Home Equity Refinance?
Texas homeowners may have an advantage in the current housing market. The right conditions could make this the best time for many homeowners to consider a cash-out home equity refinance. In the past two years, and counting, we have been through a truly unique time. The financial impact of the pandemic has also been unique. Prices of goods and services have been rising as companies struggle to recover from the impact of labor restrictions, shipping delays, and availability of materials.
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
HELOC vs Cash Out Refinance in Texas: Which Option Is Right for Your Home Equity?
If you’re a Texas homeowner sitting on built-up equity, you’re probably wondering how to put that value to work. Whether you’re planning a major home renovation, consolidating debt, or covering education expenses, several options stand out: a first lien Home equity loan, a second lien Home Equity Loan, a Home Equity Line of Credit (HELOC) and a cash out refinance. With all these options you can access your home equity in Texas, but they work very differently. Understanding these differences
How to Get a Custom Mortgage Rate Quote in Texas: Your 2026 Guide
If you have been shopping for a mortgage online, you have probably seen advertised interest rates on lender websites, comparison tools, and financial news headlines. As of early February 2026, the national average for a 30-year fixed-rate mortgage sits at approximately 6.11%, according to Freddie Mac, down from 6.89% just a year ago. Those numbers make great headlines, but they do not tell you what rate you will actually qualify for. Your mortgage rate is as unique as your financial
Five Misconstrued Notions about Texas VA Loans
Accurate information is invaluable when you’re mulling over the best mortgage option. A perfect case in point is when you’re thinking of securing a VA loan for your property in Texas, but couldn’t quite get the ball rolling because misinformation was holding you back. To get these inaccuracies out of the way, here are the top five myths about VA loans and what the facts really are. You can’t secure a VA loan without a perfect credit score. The credit
First Time Home Buyer: Success Guide
When buying your first home, information is your key to success. This article answers some of the most important and common questions for a first time home buyer. Our success guide for a first time home buyer answers these questions: Where do I get started? The best place to get started is to get pre approved for a mortgage loan. Pre approval for financing helps you understand the flexibility of your home buying budget and gives you the opportunity to
FHA Home Loans in Texas: 5 Tips to Get you Ahead
Purchasing a home is a major financial decision for most Americans. The good news is, there are loan options out there to help you achieve your home-ownership goal with more financial flexibility. A conventional loan is a common option but stringent income and debt guidelines make it more difficult to qualify. If you’re looking for an easier way to get you through buying a home even on a tight budget, consider FHA loans instead. Aside from a low down payment
