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    Serving All 254 Texas Counties

    Last updated September 3, 2026

    Premier Texas Mortgage Lenderfor Purchase & Refinance

    Everything's bigger in Texas-including your home buying dreams. From Houston's energy corridor to Austin's tech hub, we've helped thousands of Texans achieve homeownership with competitive rates and local expertise.

    $340,000Median Home Price
    1.74%Avg. Property Tax Rate
    +2.9%YoY Price Change
    Call Texas Team
    630-357-1600

    Toll Free: 1-866-666-2378 (866-666-BEST)

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    Texas Mortgage Rates: What Actually Sets Your Number

    There is no single Texas mortgage rate. Published averages are a starting point, not a quote — two buyers purchasing the same Dallas, Austin, or Houston house on the same day can be quoted meaningfully different rates. Here is what moves your number, and where to price your own file.

    Credit score and loan-to-value

    Conventional pricing starts around a 620 FICO, FHA can go as low as 580 (or 500 with 10% down), and jumbo generally wants 700+. Higher scores and more equity lower both your rate and your mortgage insurance cost.

    Program choice

    Conventional, FHA, VA, USDA, jumbo, DSCR, and non-QM loans price differently, and the 2026 conforming limit is $832,750 — crossing that line changes which pricing applies to you.

    Property taxes and the real payment

    Texas has no state income tax but some of the highest effective property tax rates in the country, and escrowed taxes count against your debt-to-income ratio. We price using actual county assessments and factor in homestead exemptions.

    Points, credits, occupancy, and lock length

    Paying points buys the rate down; lender credits raise it to cover costs. Investment or second-home occupancy, Texas cash-out rules, and longer locks also carry pricing adjustments. We show these side by side so you can compare true cost.

    Get your Texas rate quoteRun the numbers

    Rate information as of September 3, 2026 and subject to change without notice. Your actual rate depends on credit, loan amount, property type, occupancy, and program. This is not a commitment to lend. All loans subject to credit approval.

    Understanding the Texas Housing Market

    Texas offers incredible housing value with no state income tax. Here's what you need to know about buying in the Lone Star State.

    Texas Property Taxes

    While Texas has no state income tax, property taxes average 1.74%-higher than the national average. We factor this into your qualification to ensure a comfortable payment. Many areas offer homestead exemptions that help.

    Market Trends 2026

    Texas metros continue to see population growth and job creation. Austin has stabilized after rapid appreciation, while Houston and DFW offer strong value. Inventory is improving, giving buyers more options.

    Texas-Specific Rules

    Texas has unique homestead protections and cash-out refinance rules. Our team understands Texas Section 50(a)(6) requirements and can help you navigate the state's specific lending regulations.

    Corporate Relocations

    Moving to Texas for work? We specialize in helping relocating buyers, whether you're coming for Tesla, Oracle, Toyota, or any of the many companies expanding in Texas. Remote closings available.

    Mortgage Options for Texas Homebuyers

    Every Texas borrower is unique. We offer a full range of loan products.

    Conventional Loans

    Traditional financing with competitive rates for qualified Texas buyers

    Compare FHA vs. Conventional in Texas →

    FHA Loans

    Low down payment options ideal for first-time buyers across Texas

    Compare FHA vs. Conventional in Texas →

    VA Loans

    Proudly serving our military at Fort Hood, Fort Sam Houston, and more

    Jumbo Loans

    Financing for luxury homes in Highland Park, River Oaks, and Westlake

    Doctor Loans

    Special programs for physicians at Texas Medical Center and UT Southwestern

    Texas Cash-Out

    Unique Texas cash-out refinance options under state guidelines

    Explore Texas bank statement and Non-QM home loans.

    Investing in rental property? Explore Texas DSCR investor loans.

    View All Loan Products

    Areas We Serve in Texas

    Licensed to serve all of Texas. Here are some of the communities we frequently help:

    HoustonDallas–Fort WorthAustinEl PasoSan AntonioPlanoFriscoThe Woodlands

    Don't see your city? No problem! We serve all 254 Texas counties including Harris, Dallas, Tarrant, Bexar, Travis, Collin, and more.

    Frequently Asked Questions About Texas Mortgages

    Answers to common questions from Texas homebuyers and investors.

    Your credit score, loan-to-value, program (conventional, FHA, VA, USDA, jumbo, DSCR, or non-QM), occupancy, property type, lock length, and whether you pay points or take a lender credit. Published Texas averages are a starting point, not a quote — we price your actual file and show the options side by side so you can compare true cost rather than the headline rate.

    Yes. ABS Home Mortgage, Inc. holds a Texas SML Mortgage Company License and lends across all 254 Texas counties, from Houston and Dallas–Fort Worth to Austin, El Paso and everywhere between.

    Conventional, FHA, VA, jumbo, DSCR investment loans, doctor/physician loans, and non-QM programs are all available statewide, along with refinance and HELOC options. See our full loan menu on the Loan Products page.

    Conventional loans typically start around a 620 FICO, FHA can go as low as 580 (or 500 with 10% down), VA loans are flexible for eligible veterans, and jumbo or DSCR investor loans generally want 700+.

    The 2026 baseline conforming loan limit is $832,750 for a one-unit property; loan amounts above that are jumbo. A handful of high-cost counties nationally can carry a higher limit — we confirm the exact figure for your county before you write an offer.

    Under Texas Section 50(a)(6), lender-controlled fees on a cash-out refinance are capped at 2% of the loan amount, with most third-party charges excluded from that cap. It's a Texas-specific rule that doesn't apply to purchase loans or rate-and-term refinances, and it's worth understanding before you plan a cash-out.

    Yes. We do a meaningful volume of DSCR investment loans and non-QM lending in Texas, and we regularly work with buyers relocating for jobs at companies expanding into the state, including remote-closing options.

    Program terms, loan limits and eligibility figures are current as of August 2026 and subject to change without notice. This is not a commitment to lend; all loans are subject to credit approval.

    Locations we serve

    Ready to Buy or Refinance in Texas?

    Get pre-approved in minutes. Our Texas mortgage experts are standing by to help you find the best rate and loan program for your situation.

    Start Your ApplicationCall 630-357-1600

    Toll Free: 1-866-666-2378 (866-666-BEST)

    Texas Buyer Guides

    First-Time Buyer

    FHA vs. Conventional in Texas (2026)

    Why Texas's metro FHA limits vary by up to $275,000 by county, and what no state income tax really does to your mortgage math.

    Read article
    Visa & NRI

    H-1B & NRI Mortgage Guide 2026

    Visa-holder and non-resident borrower playbook: down payment, docs, and how to qualify with foreign income.

    Read article