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Your Local Mortgage Broker

A Home Loan Designed For You

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

Welcome to Texas Homes and Loans

The home of your dreams is waiting for you. All you need to unlock the door is the right mortgage.

If you are looking for a home anywhere in Texas or Oklahoma, the team at Texas Homes and Loans is here to make it happen. We pride ourselves on offering some of the lowest rates nationwide. We make the loan process simple, straightforward and fast for borrowers seeking a mortgage.

Whether your goal is to purchase a new home, refinance an existing loan, or consolidate debt, start your journey with us today and discover how we can help you achieve your financial goals with confidence.

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Tell Us Your Story.

Fill out the questionnaire on this page to start a discussion about your mortgage needs today!

Our experienced staff is here to guide you every step of the way and can provide same-day approvals.

Purchase Loan Options

Fixed Rate Mortgage

Interest Rate and payments remain the same for the entire term of the loan.

FHA Loan

An FHA loan provides a government-insured loan with flexible loan options.

VA Loan

VA Loans offer flexible options as either fixed-rate or ARM mortgages.

Rehab Loan

Roll the costs of the renovation into your loan.

USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

Jumbo Loan

Jumbo loans offer maximum flexibility for home financing for larger loans.

First Time Home Buyer

Popular loan programs for first time home buyers.

Low Down Payment Options

Explore options that may make you a home owner with a low down payment.

Investment Property

Mortgage loan programs for vacation and investment properties.

Bank Statement Program

Leverage your bank statements to secure a favorable home loan.

Bridge Home Loan

Secure the transition between selling your current home and buying a new one.

Construction Home Loan

Build your dream home from the ground up with tailored financing.

DSCR Home Loan

Focus on the debt-service coverage ratio to get the right home loan.

Fix & Flip Home Loan

Get the financial support you need for your home renovation projects.

HELOC Home Loan

Unlock the value in your home with flexible home equity lines of credit.

Reverse Mortgage

Convert a portion of your home equity into cash to secure your retirement.

Seller-Paid Buydown

Reduce your mortgage payments with the assistance of the seller.

Refinance Loan Options

Refinance

Mortgage refinancing may lower your monthly payments.

Cash-Out Refinance

Access home equity for various purposes.

VA Loan Refinance

There are two main ways to refinance your VA loan.

Let's Learn!

Please check out our 27 educational articles we put together..

As an education based mortgage company we strive to provide helpful information.

Visit our learning center to learn some great tips about buying a home.

View Educational Articles