Home loans for Texas homeowners, buyers, and investors

Loans we offer in Texas

• Home equity loans and HELOCs on the home you live in
• Cash-out and rate-and-term refinancing
• Self-employed loans with bank statements
• Conventional, FHA, VA, USDA, and jumbo loans
• Medical professional loans
• Reverse mortgages
• Renovation loans
• DSCR loans for investment properties

Home equity in Texas works a little differently

Texas has its own rules for borrowing against the home you live in. They're designed to protect homeowners, and we'll guide you through each one:

• Up to 80% of your home's value. Your first mortgage plus your home equity loan or HELOC can total up to 80% of your home's value.
• Fixed-rate and adjustable options. Choose a fixed-rate home equity loan, a fixed-rate HELOC, or an adjustable-rate HELOC.
• A 12-day waiting period. Texas requires a notice to be sent to all owners at least 12 days before closing. We'll send it early so it doesn't slow you down.
• Everyone on title signs. All owners and spouses sign the required notice, even if they aren't on the loan.
• Closing in person. Texas home equity loans close in person at a title company office. Remote closings aren't allowed.
• Eligible homes. Single-family homes you live in, on up to 10 acres.

Good to know in Texas

• Property taxes and insurance in Texas can be higher than you might expect, so we'll use local numbers when estimating your payment.
• HOA rules vary by city. Send us the HOA information early.

Moving to Texas?

We help many families relocate from California to Texas. We can help you plan your purchase whether you're buying before or after you sell.

Licenses

Texas SML Mortgage Company · Company NMLS #339255. See our Licensing Disclaimer and Consumer Grievance Policy, which includes the Texas Recovery Fund notice.

Program availability can vary by state and property. Contact us to confirm options for your home.

Frequently asked questions