Mortgage Lender in Fort Worth, Texas
When you are buying a home in Fort Worth, you deserve a real loan officer you can call by name, not a call center three states away.
See what you may qualify for
Answer a few quick questions to get a personalized starting home price range.
No credit pull. No obligation. No calls unless you ask for one.
Takes about 3 minutes. Not a loan application or commitment to lend.
Fort Worth market snapshot
LiveWe know Fort Worth, not just the state average
Fort Worth is one of the fastest-growing cities in the country, and that growth shows up differently block by block. Buyers in Sundance Square and the Near Southside deal with tighter inventory and competitive offers. Buyers in far north Fort Worth neighborhoods like Keller, Fossil Creek, and Alliance Corridor often find newer construction with builder incentives that interact with your financing in ways worth understanding before you sign anything. Our loan officers know these micro-markets because they work in them every day.
Tarrant County has several down payment assistance (DPA) programs, which is help covering the cash you need at closing. Whether you are a first-time buyer or someone who has not owned a home in the past three years, you may qualify for programs that reduce what you bring to the table. FHA loans, which are mortgages backed by the Federal Housing Administration and allow lower credit scores and smaller down payments, are widely used here. Because Intra-Mortgage works as both a mortgage lender and a mortgage broker depending on the product, we can match you to the right loan structure rather than the one that fits our shelf.
Closing timelines in the Fort Worth market can move quickly when sellers have multiple offers. That means getting your loan pre-qualification documents in order early matters more than it might in a slower market. Our team walks you through what affects your debt-to-income ratio (DTI), which is how much of your monthly income goes toward debt payments, and how your credit profile shapes your options. We are based in Ohio but licensed in Texas, and we work with buyers across Tarrant, Parker, and Johnson counties with real people answering real questions.
A licensed lender with real roots
We're not a lead-generation site that sells your information. We're a licensed mortgage team, and we're here in Texas.
A real team
You work with a licensed mortgage team and a loan officer who knows this market, not a national portal that sells your information to the highest bidder.
Market knowledge
We know Fort Worth's neighborhoods, appraisers, title companies, and county quirks, because we close here every week.
A human, not a call center
You get one loan officer with a direct line, not a 1-800 number and a different rep every time you call.
Multi-state licensed
Licensed across OH, IN, PA, TX and more. Moving out of state later? We can likely still be your lender.
The right loan for your situation
Not sure which fits? See what you may qualify for above, or read the full guide on any option below.
FHA Loans
As little as 3.5% down with a 580 credit score. The most flexible path for first-time and credit-building buyers.
FHA in Fort WorthConventional
3–5% down for strong-credit buyers. Mortgage insurance drops at 20% equity — the long-term cost winner.
Conventional guideVA Loans
Zero down, no monthly mortgage insurance, for eligible veterans and active-duty service members.
VA loan benefitsRefinance
Lower your rate, shorten your term, or tap equity. We'll run the break-even math honestly.
Refinance optionsFirst-Time Buyer
Down payment assistance, education, and step-by-step guidance built for people buying their first home.
First-time buyer guideNot sure yet?
Compare FHA vs. Conventional side by side, or talk to a loan officer who'll run both on your actual numbers.
Compare loan typesDown payment assistance in Fort Worth
Texas buyers can often stack state, county, and city assistance on top of an FHA or conventional loan to cover part, sometimes all, of the down payment. What you qualify for depends on your income, the home, and the program.
No credit pull to start, we'll check your assistance eligibility with you.
Real footprint
We close loans across the entire Greater Fort Worth metro, city neighborhoods, suburbs, and the core counties we serve.
Fort Worth Neighborhoods
Statewide context, then your city
Fort Worth still prices below Dallas and well below Austin, which changes which loan programs actually fit. For the statewide tax and assistance picture — and our Fort Worth home-buying guide — use the Texas mortgage lender page.
Texas mortgage lender
Statewide property tax, county loan limits, and down payment assistance — and how the five Texas metros compare.
Texas home loansAustin
The highest-priced of the five. Jumbo vs. conforming shows up here more often than in Houston or San Antonio.
Mortgage lender in AustinDallas
Shares a metro name with Fort Worth and not much else on price or inventory. Several Dallas-area counties sit above the FHA floor.
Mortgage lender in DallasHouston
Near the statewide median, with more inventory than Central Texas. Most area counties use the FHA floor.
Mortgage lender in HoustonSan Antonio
The most approachable of the five on price. Joint Base San Antonio is why VA and first-time assistance often pair here.
Mortgage lender in San AntonioFrom "just looking" to keys in hand
A clear four-step path, with a real person guiding you at each stage.
Get pre-qualified
Answer a few questions, no credit pull, no obligation. We'll tell you what you can realistically afford in Fort Worth.
~60 secondsApply & get pre-approved
A full application and verified pre-approval letter, the kind Fort Worth sellers take seriously in a multiple-offer situation.
1–2 daysUnderwriting & approval
Your file goes through full underwriting, appraisal, title, and conditions handled by a team you can actually reach.
2–3 weeksClear to close
Sign, fund, and get your keys. We coordinate with your title company to keep closing day smooth.
Day of closeJoe Heister and Katie Smith are outstanding to work with. Joe is professional, knowledgeable, and genuinely cares about his clients — he goes above and beyond to make sure everything goes smoothly from start to finish.
I'm a real estate agent and have known Joe Heister for over 15 years. I have always respected him as a lender with integrity who consistently puts his client's interests first.
As a first-time homebuyer, I had so many questions about the mortgage process, but Katie made everything so much easier. From the beginning she took the time to explain every step and answered all my questions patiently.
I recently refinanced with loan officer Mitra Dhital, and he was very helpful and professional throughout the process. He explained everything clearly and made the experience smooth and stress-free.
Thank you to Keshabi Acharya for making our home buying experience so smooth and stress free. She was very quick to respond and very knowledgeable on the topic of loans.
I worked with Joe Heister and Katie Smith and the process was seamless. Professional, organized, and low rates. Highly recommend.
Fort Worth mortgage FAQs
Yes. We are licensed in Texas and work with buyers throughout Tarrant, Parker, and Johnson counties. That includes Fort Worth proper as well as surrounding communities like Weatherford, Burleson, and Mansfield. You will work with a real loan officer, not an automated system, from application through closing.
An FHA loan is a mortgage backed by the Federal Housing Administration. It allows lower credit scores and a smaller down payment compared to many conventional loans. It does require a mortgage insurance premium (MIP), a fee that protects the lender if you stop making payments. FHA is a popular choice for first-time buyers in Fort Worth, and our team can walk you through whether it fits your situation.
There are several DPA programs available in Tarrant County, including options through the Texas State Affordable Housing Corporation and local programs. Eligibility depends on income, purchase price, and other factors. Our loan officers can help you identify which programs you may qualify for and how they work alongside your loan. We do not promise approval, but we do explain every option clearly.
Timelines vary by loan type, how quickly you provide documentation, and appraisal scheduling. In a competitive market like Fort Worth, being fully pre-qualified before you make an offer puts you in a stronger position. Our team helps you get your paperwork organized early so there are no surprises that slow things down once you are under contract.
Your DTI is the percentage of your gross monthly income that goes toward monthly debt payments, including the new mortgage. Lenders use it to gauge how much additional debt you can reasonably carry. A lower DTI generally opens more loan options. Our loan officers look at your full picture, not just that one number, and explain what it means for your specific home search.
No. Different loan programs have different credit requirements. FHA loans, for example, are designed to be accessible to buyers with credit scores that might not qualify for a conventional loan. The key is understanding where you stand and which programs fit. We review your credit situation honestly and explain your options without pressure or guesswork.
Texas loan guides
In-depth guides on loan programs, limits, and buyer assistance across Texas.
Get pre-qualified for a Fort Worth home loan
See what you qualify for in about a minute, or talk to a loan officer who actually knows the Greater Fort Worth market.