Home Loans in Texas
Texas combines strong job growth with relatively affordable housing across its major metros. Star Financial helps Texas buyers and homeowners finance purchases, refinances, and investment properties.
Texas market snapshot
- Booming metros like Dallas, Houston, Austin, and San Antonio keep demand high.
- No state income tax helps many buyers qualify for more home.
- Texas has specific home equity (cash-out) rules we guide you through.
Homebuyer information
- Texas offers statewide down payment assistance and first-time buyer programs.
- FHA and conventional loans are popular for entry-level and move-up buyers alike.
- Property taxes run higher than the national average — we factor this into your budget.
Financing options for Texas buyers & homeowners
FHA Loans
Low down payment, flexible credit — great for first-time buyers.
Conventional Loans
Competitive pricing for borrowers with stronger credit profiles.
VA Loans
$0 down financing for eligible veterans and active-duty service members.
Jumbo Loans
Financing above conforming limits for higher-priced homes.
DSCR Investor Loans
Qualify rental properties on cash flow — no personal income docs.
Bank Statement Loans
For self-employed borrowers who qualify on deposits, not tax returns.
HELOC & Cash-Out
Tap your equity for renovations, debt consolidation, or investments.
Down Payment Assistance
Programs that may help cover down payment and closing costs.
Texas home loan FAQs
What credit score do I need for a home loan in Texas?
Many Texas buyers qualify with a 580+ score on FHA programs, while conventional loans typically reward 620+ with better pricing. Star Financial reviews your full profile, not just the score.
How much down payment is required in Texas?
Down payments can be as low as 3.5% on FHA and 3% on some conventional programs. VA-eligible borrowers may qualify for $0 down. Down payment assistance may also be available.
How long does mortgage approval take in Texas?
As a direct lender with in-house underwriting and funding, Star Financial can often issue pre-approvals quickly and close many loans in a few weeks, depending on your scenario.
Can I qualify in Texas if I'm self-employed?
Yes. We offer bank statement, 1099, and profit-and-loss programs designed for self-employed borrowers who may not show full income on tax returns.
Is Star Financial licensed to lend in Texas?
Yes. Star Financial (NMLS #1429) is licensed to originate mortgages in Texas and across CA, TX, FL, CO, AZ, and ID.
Star Financial (NMLS #1429) is licensed to originate residential mortgages in Texas.
Get pre-approved in Texas
Connect with a licensed Star Financial loan officer for a fast, no-obligation review.
Licensed in CA, TX, FL, CO, AZ & ID · NMLS #1429