As one of the top mortgage lenders in Texas, we offer a wide range of loan programs even for the most difficult scenarios
Texas has a strong and diverse housing market
To stay competitive in this active market, mortgage originators need to offer clients flexible loan solutions AD Mortgage has been serving Texas mortgage brokers in this mosaic state for years.
With our diverse program portfolio, our partners cover the needs of different clients including first-time buyers, investors, and self-employed borrowers and receive consistent wholesale support.
Texas home loan programs by AD Mortgage empower brokers with competitive solutions, helping them close deals faster and support their clients on the path to homeownership
Close DSCR loans with fast turn times
A perfect fit for self-employed borrowers
An affordable financing option with standard requirements
Get 50 bps with Rate Buydowns. Make your purchase offers even more competitive. Now with enhanced pricing!
Choose from 1-0, 2-1, and 3-2-1 options to help borrowers lower their initial monthly payments.
For primary and 2nd home purchases on 30-Year Fixed Super Prime, Prime, AD Power Jumbo & Fixed Conventional. 
Texas mortgage rates are generally competitive with national averages. While Texas does not impose state property or state income taxes, property taxes are collected at the local level and can vary significantly by county. However, homeowners may qualify for homestead exemptions that help reduce annual property taxes on primary residences.
Property fees depend on a variety of factors, such as the loan structure and property location, and usually include:
Texas has several state-specific mortgage rules that originators should be aware of. These include a 2% fee cap on certain cash-out refinance loans and some of the nation’s strongest home equity lending protections.
Additionally, Texas offers several down payment assistance programs, including:
AD Mortgage is a licensed lender in Texas and coast to coast.
Your 24/7 Loan Support Tool
The First Integrated Non-QM AUS in Mortgage History
Your Go-to Source for Navigating AD Products and Tools
Streamline the Process with Rapid, State-compliant Initial Disclosure
Perfect for W2 and Self-employed Borrowers
Earn and Redeem Points for Benefits
A Free Platform to Help You Become an Industry Leader
A Texas loan calculator to estimate payments with ease
Receive a tailored loan solution in 30 minutes
READY TO CONNECT?
What is a Mortgage Credit Certificate in Texas?
A Mortgage Credit Certificate (MCC) in Texas allows eligible borrowers to reduce their federal income taxes by up to $2,000 per year, making homeownership more affordable. The program is typically designed for first-time homebuyers purchasing a primary residence within program price limits.
Are Property Taxes Included in a Mortgage in Texas?
Often, lenders collect property taxes and homeowners insurance as part of the monthly mortgage payment through an escrow account. Escrow waivers may be available, so contact the lender directly to discuss details.
What is a Jumbo Mortgage in Texas?
In 2026, a jumbo loan in Texas is a mortgage that exceeds the conforming loan limit of $832,750 for one-unit properties.
Can I Refinance a Mortgage in Texas?
While there are no Texas-specific restrictions for standard rate-and-term refinancing, cash-out refinancing is more strictly regulated in Texas. It falls under Texas homestead laws, which limit LTV to 80% and allow borrowers to close only once every 12 months.
How to Become a Mortgage Broker in Texas
To become a broker, applicants must complete NMLS-approved education and pass the test. After that, they can apply for a license. Mortgage origination activities in Texas are regulated by two organizations – the Texas Department of Savings and Mortgage Lending (SML) and the Texas Office of Consumer Credit Commissioner (OCCC).
What First-Time Homebuyer Programs are Available in Texas?
First-time homebuyers in Texas can benefit from the My First Texas Home program that covers up to 5% of the house price in down payment or closing costs. Additionally, there are programs for low-income buyers and for borrowers in certain professions. State, county, and local programs may also be available.
What Is the Current Mortgage Interest Rate in Texas?
Mortgage rates vary because of market changes and borrower qualifications. Check the interest rate and loan term for your client by submitting a Loan Scenario.
How Does a Reverse Mortgage Work in Texas?
Reverse mortgages allow senior homeowners to turn part of their home equity into cash, while keeping home ownership and continuing to pay property tax, home insurance and other costs. In Texas, reverse mortgages are governed by Texas Constitution home equity lending provisions, and the property must qualify as a homestead residence.
Are FHA Loans Popular in Texas?
Yes. The share of FHA mortgage applications in Texas is higher than the national average – 19.8% compared to 16.5%. AD Mortgage offers several FHA solutions, including FHA Standard, FHA High Balance, and FHA Streamline Refinancing.
How Do Property Taxes Affect Monthly Mortgage Payments in Texas?
In Texas, the effective property tax rate is typically between 1.4% and 1.6%, making the state one of the highest-property-tax states in the country. However, property taxes vary widely by county.
Is it a Good Time to Buy a House in Texas?
Generally, yes. Housing prices in Texas are stabilizing, and the market is shifting toward more buyer-friendly conditions. However, the decision should align with the borrower’s financial strategy and current situation.
What Credit Score is Needed to Buy a House in Texas?
Most Conventional and Non-QM loan programs require a credit score of at least 620. However, some solutions, such as VA or FHA programs, accept credit scores as low as 580. Visit the AD Mortgage Program Page to review specific program requirements.
How Much Money Do You Need to Buy a House in Texas?
It largely depends on the property location. Read our Texas Cheat Sheet to find out how long it takes to save in major Texas cities.
What are Current Mortgage Rates in Texas?
Rates are not fixed, and they vary depending on the market conditions and the borrower’s profile. Submit a Scenario Request to check the interest rates for your case.
Can You Buy a House in Texas Without a Down Payment?
Most mortgage programs require a down payment – however, there are exceptions like VA Loans. Additionally, Texas down payment assistance programs help low-income borrowers, first-time homebuyers, and other eligible individuals cover their down payment.
Can Investors Get DSCR Loans in Texas?
Yes. The DSCR loan program by AD Mortgage is available in Texas. It is designed specifically for real estate investors and does not require personal income or employment verification.
Does AD Mortgage Work in Texas?
Yes. AD Mortgage is a licensed wholesale lender in Texas as well as in other states across the country.
What Cities in Texas Does AD Mortgage Serve?
We work with mortgage brokers across all regions of Texas. Submit a Scenario Request to receive the best-fit mortgage solution for properties in a specific area or market.
Does AD Mortgage Offer Non-QM Loans in Texas?
Yes. AD Mortgage is a Top-Non-QM Wholesale lender. Visit our Non-QM program page to explore the solutions we offer.
