Texas Mortgage Broker

Serving Homebuyers Across Texas

We help Texans finance homes of all shapes and sizes, from single-family houses to condos, duplexes, and even rural properties. Our team works with first-time buyers, move-up families, investors, and folks looking to refinance. We offer access to a wide range of mortgage options: conventional, FHA, VA, USDA, jumbo, new construction, renovation, and non-traditional solutions for self-employed or non-W2 borrowers. If you’re searching for a mortgage broker with real experience in Texas lending, that’s what we do every day. No hype…No scare tactics…Just honest conversations and education.

What Buying a Home in Texas Is Really Like

Here’s the thing…buying a home in Texas is different from buying almost anywhere else. Our state’s size alone means the market in Dallas isn’t quite the same as San Antonio, Austin, Houston, or the Valley—and what works in Amarillo probably won’t fly in Galveston. The housing stock varies widely, and that shapes how financing plays out.

If you’re looking at historic neighborhoods in San Antonio or East Dallas, older homes can bring up appraisal issues—think foundation, roof, or electrical items that might need to be addressed before a lender will sign off. We see this a lot in areas with postwar bungalows or classic Craftsman homes. Condos are another story. In Austin and Houston, condominiums are common, but not every building is eligible for conventional or FHA financing. Project approval can be a sticking point, especially if the association’s insurance or reserve accounts don’t meet guidelines. We check these things on the front end so you’re not surprised mid-transaction.

In suburban and rural parts of Texas—from Boerne to Brenham and out in East Texas—properties sometimes qualify for USDA loans. But here’s the catch…eligibility depends on both property location and household income, and boundaries can change. If you’re looking at land or a home with acreage, we’ll talk about how outbuildings or agricultural exemptions might affect your loan.

Along the Gulf Coast—places like Corpus Christi or Rockport—flood insurance is a real consideration. Lenders will want to know about flood zones and whether extra coverage is needed. And if you’re eyeing a second home at the lake or a weekend place in the Hill Country, guidelines differ from primary residence loans. Short-term rentals in places like Port Aransas or Fredericksburg? That’s another set of rules entirely.

And quite frankly, Texas is a state where multi-unit homes—like duplexes, triplexes, and fourplexes—are often bought by families looking to live in one unit and rent the others. Rental income can help with qualifying, but appraisers need to find comparable sales, and lenders look closely at leases and market rents.

The other thing that comes up? Competition. In some parts of Texas, homes move fast, and buyers may need to close quickly or make cash-like offers. In others, there’s more time to negotiate. We know the pace in each region and help you set realistic expectations. It’s not just about the interest rate…it’s about understanding how Texas-specific factors shape your options from the first conversation.

How We Help Texas Buyers and Homeowners

Every borrower’s situation is unique, but after years of helping families in Texas, we’ve seen a few scenarios come up again and again. Here’s what most people don’t realize: the right mortgage isn’t just a product, it’s a strategy—and our job is to help you find the one that fits your goals.

• First-time buyers: We sit down and walk you through what to expect, what’s required for different loan programs, and how down payment assistance might apply. We’ll talk about credit, savings, and what lenders actually care about. Our focus is on financially responsible homeownership—not just getting you approved, but making sure you understand what you’re signing up for.
• Move-up and downsizing buyers: Timing is everything when you’re selling one home and buying another. We help you figure out whether to buy before you sell, how to handle temporary housing, and which loan options make sense if you need to carry two mortgages for a brief period.
• Self-employed or commission-based borrowers: If your income isn’t a simple W-2, we know how to analyze tax returns, business statements, and alternative documentation. We’ll go over what lenders look for and help you present your income in a way that fits underwriting guidelines—especially if you own multiple businesses or have fluctuating income.
• Investment property and multi-unit buyers: If you’re purchasing a duplex, fourplex, or rental property in Texas, we’ll talk about how rental income factors in, which programs allow you to use projected rents, and what to expect in terms of reserves and property condition. For short-term rentals or vacation homes, we’ll walk through the differences between second home and investment property financing.
• Refinancing homeowners: Whether you’re looking to lower your payment, tap equity for renovations, or consolidate debt, we’ll help you weigh your options and run the numbers to see what makes sense. And if you have an existing FHA, VA, or USDA loan, we’ll explore streamlined options when available.
• Competitive buyers: In markets where every hour counts, we work with lenders who can move quickly—and we make sure your file is as complete as possible before an offer goes in. We’ll also explain strategies like appraisal waivers or bridge loans when they fit your situation.

Our approach? Let’s make mortgages make sense. We’re not here to push a particular product—we’re here to answer your questions, lay out your options, and help you make a decision that fits your life and your finances.

Regions We Serve in Texas

Texas isn’t one-size-fits-all, and neither is home financing here. In Central Texas, areas like Austin and the Hill Country are known for new construction, modern condos, and the occasional unique property—think tiny homes or barndominiums. Appraisals can be tricky when there aren’t many recent sales, especially in outlying towns.

San Antonio offers a mix of historic neighborhoods, master-planned communities, and everything in between. Older homes in places like Alamo Heights often require a close look at condition, while outer suburbs see a lot of new builds and VA buyers.

Dallas-Fort Worth is sprawling, with suburban growth, established neighborhoods, and a growing number of condos and townhomes. Multi-unit properties are more common here than in other parts of the state, and we often see buyers using rental income to help qualify.

Houston is a patchwork of subdivisions, luxury high-rises, and neighborhoods with unique flood insurance requirements. Galveston, Corpus Christi, and the Gulf Coast bring second homes and vacation property financing into play, along with special insurance needs.

In East Texas, West Texas, and the Panhandle, rural properties and acreage are the norm. USDA eligibility comes up often, and we talk about water wells, septic systems, and access roads—details that matter to lenders but often surprise first-time rural buyers.

Wherever you’re looking in Texas, we know what tends to come up and how to plan for it.

Programs Available to Texas Buyers

Eligible buyers may be able to use Texas homebuyer assistance through TSAHC or TDHCA. Availability depends on income, the property address, loan program, lender participation and current funding. Assistance may carry repayment, forgiveness or other conditions; it is not automatically a grant.

Mortgage Credit Certificates have separate eligibility and funding rules. TSAHC’s stand-alone MCC option is discontinued; combinations with qualifying TSAHC programs may be available. TDHCA options differ. Confirm availability before closing and consult a tax professional about any tax benefit.

Review TSAHC program guidance and TDHCA MCC information. City and county assistance must be checked against the property’s exact jurisdiction. Program eligibility and funding are subject to change.

Talk to Someone Who Knows Texas

When you’re ready to talk about financing a home in Texas, you deserve honest answers from someone who truly understands the market here. We started H&M Mortgage Group because we believe in financially responsible homeownership and helping families build wealth through real estate. If you have questions, we’re here for a real conversation—not a sales pitch. Let’s talk about what’s possible.

Frequently Asked Questions