15-Year vs. 30-Year Mortgage in Texas: Which Loan Term Is Right for You? (2026 Guide)
Choosing a mortgage term is one of the most consequential financial decisions you’ll make as a Texas homebuyer — yet many buyers settle on 30 years without ever seriously running the 15-year numbers. The reality is that neither term is universally better. The right choice depends on your monthly budget, life stage, financial goals, and […]
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 […]
Escrow Accounts Explained: What Texas Homeowners Need to Know
If you have a mortgage, you have probably seen the word escrow on your statements, but it is not always clear what it means. Understanding your escrow account helps you make sense of your monthly payment and avoid surprises down the road. Escrow is one of those behind-the-scenes parts of homeownership that quietly handles some […]
Online Mortgage Process: COVID-19 Safe
At TexasLending.com our mortgage process can be securely done online, from your computer, tablet, or smart phone. We have made our mortgage process as easy as possible with the capability of current technology, while keeping your financial information protected. During the health and safety concerns of COVID-19, we want you to know that you can […]
Income Tax and Your Mortgage Application
Whether you are looking to buy a home or refinance your current mortgage, your income taxes are a required piece of your mortgage application. Your federal income tax return is key to determining your mortgage loan approval. These are the ways that your income tax return is a factor in your mortgage application. Calculating Income […]
Underwriting Process
Many assume that a pre-approval is a guarantee and that they will receive a loan. But, you need to get a final approval during the mortgage underwriting process before you can officially receive your loan and close on a house. So we’re here to share everything you need to know about underwriting and the process. […]
Mortgage Rate Trends for 2016
Today’s mortgage interest rates are extremely low which means that homeowners pay lower monthly payments. Currently, it’s cheaper to own a home than to rent in many U.S. housing markets and home buyers are definitely taking advantage of it. However, these low mortgage rates are actually not a normal trend in the housing market and […]
What Is a Mortgage and How Does It Work in Texas? Your Complete 2026 Guide
Understanding Home Loans from the Basics to Closing Day Buying a home is one of the most significant financial decisions you’ll ever make. For most Texans, it’s simply not possible to pay hundreds of thousands of dollars in cash upfront. That’s where a mortgage comes in—a financial tool that makes homeownership accessible to millions of […]
