Loan programs
Find the Right Loan for Your Life
From first-time buyers to seasoned investors, we offer a full range of Texas home loan programs — each explained clearly so you can choose with confidence.
Conventional Loan
The most flexible option for qualified buyers
Ideal for
Buyers with good credit (620+) and stable employment
Conventional loans are not backed by a government agency, which means they offer more flexibility in property types and loan amounts. They are ideal for buyers with solid credit and a stable income history.
Key features
- Down payments as low as 3%
- No upfront mortgage insurance with 20% down
- Fixed and adjustable rate options
- Available for primary, secondary, and investment properties
FHA Loan
A government-backed path to homeownership
Ideal for
First-time buyers or those rebuilding credit
Insured by the Federal Housing Administration, FHA loans are designed to help buyers with lower credit scores or smaller down payments achieve homeownership. They are one of the most popular programs for first-time buyers in Texas.
Key features
- Down payments as low as 3.5%
- Credit scores as low as 580 may qualify
- Competitive interest rates
- Gift funds allowed for down payment
VA Loan
Earned benefits for those who served
Ideal for
Veterans, active-duty military, and eligible surviving spouses
VA loans are available to eligible veterans, active-duty service members, and surviving spouses. Backed by the U.S. Department of Veterans Affairs, they offer exceptional terms as a thank-you for your service.
Key features
- No down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
- Flexible credit requirements
USDA Loan
Zero down for eligible rural and suburban areas
Ideal for
Moderate-income buyers in eligible suburban or rural areas
Backed by the U.S. Department of Agriculture, USDA loans help moderate-income buyers purchase homes in eligible rural and suburban areas — including many communities in the greater Dallas region.
Key features
- No down payment required
- Below-market interest rates
- Available in many Dallas-area suburbs
- Income limits apply
Jumbo Loan
Financing for higher-value Texas properties
Ideal for
Buyers purchasing higher-value or luxury properties
Jumbo loans exceed the conforming loan limits set by Fannie Mae and Freddie Mac. They are the right tool for buyers purchasing luxury homes or properties in higher-cost Dallas neighborhoods.
Key features
- Loan amounts above conforming limits
- Competitive rates for qualified borrowers
- Fixed and adjustable rate options
- Primary and second home financing available
DSCR Loan
Qualify on rental income, not your personal income
Ideal for
Real estate investors and self-employed borrowers
Debt Service Coverage Ratio (DSCR) loans are designed for real estate investors. Instead of verifying personal income, the loan qualifies based on the property's rental income relative to its debt obligations — making it ideal for self-employed investors or those with complex tax returns.
Key features
- No personal income verification required
- Qualify based on property cash flow
- Available for single-family and multi-unit rentals
- Ideal for self-employed and portfolio investors
Reverse Mortgage
Turn your home equity into tax-free income
Ideal for
Homeowners 62+ looking to supplement retirement income
A reverse mortgage allows homeowners aged 62 and older to convert a portion of their home equity into cash — with no monthly mortgage payments required. The loan is repaid when the home is sold or the borrower moves out. It can be a powerful tool for retirement planning.
Key features
- Available to homeowners 62 and older
- No monthly mortgage payments required
- Proceeds are generally tax-free
- Stay in your home and retain ownership
Loan programs and eligibility requirements are subject to change. All loans subject to credit approval. NMLS# 2449500. Licensed by the Department of Savings and Mortgage Lending of the State of Texas. Equal Housing Lender.
Not Sure Which Loan Is Right for You?
That is exactly what we are here for. Submit a quick inquiry and a licensed loan officer will walk you through your options — no obligation, no credit impact.
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