Our Latest Blogs
How to Get the Best Mortgage Rate in Texas
Learn what a mortgage is and how it works in Texas. Discover Texas-specific property tax benefits, homestead exemptions, and foreclosure protections that make buying a home in the Lone Star State unique. If you’re considering buying a home in Texas, understanding how mortgages work is your first step toward home ownership. Whether you’re a first-time buyer or returning to the market after years away, Texaslending is here to guide you through every step of the process. A mortgage is more
How to Get Pre-Approved for a Mortgage in Texas: A Step-by-Step Guide (2026)
Getting pre-approved for a mortgage is the single most important step you can take before shopping for a home in Texas. In a market where the median home price sits around $334,000 to $340,000 and properties spend an average of 74 to 85 days on the market, having a pre-approval letter in hand tells sellers you are serious, financially prepared, and ready to close. At Texaslending, we have helped thousands of Texas families navigate the pre-approval process with no upfront
Mortgage Interest Rates Today in Texas: What You Need to Know in 2026
Understanding Today’s Mortgage Interest Rates If you’re considering buying a home or refinancing in Texas, mortgage interest rates are likely top of mind. With the national average 30-year fixed mortgage APR hovering around 6% APR as of January 2026—down from over 7% APR just a year ago—understanding how these rates work can help you make smarter financial decisions. At Texaslending.com, we believe that finding the right mortgage isn’t just about chasing the lowest rate you see advertised online. It’s about
Types of Mortgage Companies in Texas: Which One Is Right for You? (2026 Guide)
When most people decide to buy a home, their first instinct is to call their bank. It’s familiar, comfortable, and feels like the logical starting point. But in Texas’s active mortgage market, your bank is just one of five distinct types of lenders — and it may not be the right one for your situation. Understanding the difference between a bank, a credit union, a mortgage broker, a direct lender, and an online lender isn’t just academic. It can meaningfully
How Long Does It Take to Refinance Your Mortgage in Texas? (2026 Timeline Guide)
You’ve done the math. A lower rate could cut your monthly payment, shave years off your loan, or finally get rid of that mortgage insurance. The decision to refinance makes sense — but now you’re wondering how long the whole process actually takes. The honest answer: most Texas mortgage refinances take between 30 and 45 days from application to closing. Some move faster. Some take longer. And a few factors are entirely in your control. This guide walks you through
5 Ways Refinancing Your Mortgage Can Save You Money
One of the best reasons to refinance your mortgage is to save money. There isn’t any reason you should be paying more for your mortgage than necessary. That’s is why looking at the options for refinancing your mortgage is a smart idea. Your finances change over time, and the mortgage terms that were available when you purchased your home may not be serving your current needs. Let’s examine 5 top reasons for refinancing your mortgage and how it can save
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.
Home Equity Loans in Texas: An Overview
Homeowners who are able to build equity on their property may borrow against it through a home equity loan. A home equity loan is also referred to as a second mortgage. While you have the option to use a home equity loan however you want, these loans are typically used for larger expenses, such as home remodeling and renovations, college education, purchase of a second home, or to consolidate debt. How it Works A home equity loan offers two options:
