Loan Programs

Find the Right Loan
for Your Situation.

Every borrower is different. Browse our full suite of purchase and refinance programs — then click any tile to learn more and get started.

Purchase
CONV
Most Popular
Conventional
Flexible financing for qualified buyers
Competitive rates, no upfront mortgage insurance premium, and the ability to remove PMI once you reach 20% equity. Available for primary, second, and investment properties.
Min Down3%
Min CreditNo Min
Terms10–30 Yr
Learn More → Purchase
FHA
Low Down Payment
FHA Loan
First-time buyers & lower credit scores
Government-backed financing with as little as 3.5% down and more flexible credit requirements. Ideal for buyers just starting their homeownership journey.
Min Down3.5%
Min Credit580+
Terms10–30 Yr
Learn More → Purchase
VA
$0 DownNo PMI
VA Loan
Veterans & active-duty service members
One of the most powerful mortgage benefits available. No down payment, no PMI, and competitive rates exclusively for those who have served our country.
Min Down$0
PMINone
Terms10–30 Yr
Learn More → Purchase
USDA
$0 Down
USDA Loan
Rural & suburban Texas homebuyers
Zero-down financing for eligible properties in rural and many suburban Texas areas. One of the most underutilized and powerful programs available.
Min Down$0
Min Credit580+
Terms30 Yr Fixed
Learn More → Purchase
JMBO
High Value
Jumbo Loan
Financing above $806,500 in Texas
Competitive financing for luxury homes and high-value properties that exceed conventional loan limits. Available for primary, second, and investment properties.
Min Down10%
Min Credit640+
2026 Limit$806,500+
Learn More → Purchase
DPA
Texas Exclusive
TSAHC DPA
Down payment assistance for Texas buyers
The Texas State Affordable Housing Corporation offers grants and forgivable second liens of up to 5% — making homeownership possible with little to no out-of-pocket down payment.
AssistanceUp to 5%
Min Credit620+
DPA TypeGrant / Lien
Learn More → Purchase
NQM
Self-Employed
Non-QM / Bank Statement
Self-employed & non-traditional income
Qualify using 12–24 months of bank statements, a CPA P&L, or 1099s — without tax returns. Built for business owners, freelancers, and high earners who write off significant expenses.
Income DocBank Stmts
Min Credit620+
Min Down10%
Learn More → Purchase
DSCR
Investors
DSCR Loan
Investment & rental property financing
Qualify on rental income, not personal income. No tax returns or W-2s required. Ideal for real estate investors building or expanding a rental portfolio in Texas.
Min DSCR1.0x
Min Down15%
Income DocNot Required
Learn More → Purchase
MED
No PMI100% LTV
Medical Professional
Doctors, dentists & licensed practitioners
Up to $2M with no mortgage insurance — even above 90% LTV. Student loans in residency may be excluded from DTI. Future income from an offer letter accepted.
Max Loan$2,000,000
Max LTV100%
PMINone
Learn More → Specialty
Refinance
R&T
Lower Payment
Rate & Term Refinance
Lower your rate or shorten your term
Replace your existing mortgage with a new loan at a better rate, shorter term, or both — without taking cash out. Keep your equity, lower your payment.
Cash OutNone
Available OnAll Programs
Learn More → Refinance
C/O
Access Equity
Cash-Out Refinance
Tap into your home equity
Replace your mortgage with a larger loan and receive the difference in cash. Available on Conventional, Non-QM, and Jumbo in Texas. Max 80% of home value.
Max LTV (TX)80%
Available OnConv / Non-QM / Jumbo
Learn More → Refinance
FHA-S
No Appraisal
FHA Streamline
Existing FHA borrowers — lower your rate fast
Simplified refinance with reduced documentation and no appraisal in most cases. If you already have an FHA loan, this is often the fastest path to a lower payment.
AppraisalUsually Not Required
Income DocsReduced
Learn More → Refinance
IRRRL
VeteransNo Appraisal
VA IRRRL
Existing VA borrowers — streamline your rate
The VA Interest Rate Reduction Refinance Loan requires no appraisal, minimal paperwork, and a low 0.5% funding fee. The fastest way to a lower rate for VA borrowers.
AppraisalNone
Funding Fee0.5%*
Learn More → Refinance
HELO
Keep Your Rate
Home Equity Loan
Borrow against your equity — keep your mortgage
A fixed-rate second loan on top of your existing mortgage. Your current rate stays the same. You get a lump sum and a predictable payment. Texas max 80% of home value.
Max (TX)80% of Value
Min Loan (TX)$75,000
Terms15, 20, 30 Yr
Learn More → Refinance

Not sure which program
is right for you?

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