Texas Mortgage Broker
The Mortgage Zone brokers mortgages across Texas (NMLS #2697124). Every Texas county uses the 2026 conforming baseline of $832,750, and the FHA floor is $541,287. Texas has no state income tax, and its constitution sets specific rules for cash-out refinances that we structure to.
Purchase, refinance, and investment financing across Texas — one application, 75 wholesale lenders competing for your loan.
Lending in Texas
Texas combines big-metro job engines — Dallas–Fort Worth, Houston, Austin, San Antonio — with land to build on, so new construction and first-time purchases dominate the pipeline. No county in Texas is designated high-cost, which keeps the conforming math simple statewide: anything over the baseline is jumbo.
The state's homestead protections are the strongest in the country, and they shape refinancing: Texas Section 50(a)(6) home-equity rules govern cash-out loans with requirements most out-of-state lenders fumble. We place these with lenders who do Texas cash-outs correctly and often.
- Conforming (Fannie/Freddie)
- $832,750 in all 254 counties (no high-cost designations)
- FHA
- From $541,287; higher in select metro counties
Limits are set per county and change annually — we'll confirm the exact figure for your county when we quote your scenario.
TDHCA's homeownership programs (such as My First Texas Home) and the Texas State Affordable Housing Corporation offer down payment assistance and mortgage credit certificates to eligible buyers. We'll compare them with standard low-down-payment paths.
tdhca.texas.govWhat's Different in TX
Texas cash-out rules are different
Cash-out refinances on a Texas homestead fall under constitutional Section 50(a)(6): combined loan-to-value is capped at 80%, fee limits apply, and timing rules govern when the loan can be made or refinanced. Structured correctly they work fine — but they must be structured correctly.
No income tax, higher property tax
Texas has no state income tax but above-average property tax rates. Because taxes escrow monthly, we model them precisely by county and factor homestead exemptions into your real payment before you shop.
Popular in Texas
Serving borrowers throughout Texas, including Houston, Dallas, Fort Worth, Austin, San Antonio, El Paso, Frisco, Plano, and every county in between.
The Mortgage Zone is a licensed mortgage broker in Texas (NMLS #2697124). Verify our licensing on the State Licenses page or via NMLS Consumer Access.
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No credit pull required. NMLS #2697124
Loan limits, program availability, tax rules, and assistance programs are subject to change and vary by county and borrower eligibility; information on this page is general reference, not a loan offer or tax advice. State agency programs are offered by those agencies, not The Mortgage Zone. Equal Housing Opportunity.
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