We originate Texas mortgages through a licensed loan officer who stays with the file from the first question to closing — not a national portal and not a call center three states away. The five markets below each have their own city page because price, inventory, and loan limits are not interchangeable.
Answer a few questions for a starting home-price range in Texas — then a licensed officer can match the loan to the metro.
No credit pull. No obligation. No calls unless you ask for one.
Takes about 3 minutes. Not a loan application or commitment to lend.
Intra-Mortgage is a licensed lender (NMLS #2620605) with loan officers licensed to originate in Texas. We do not claim a Texas storefront network or a statewide market-share story. You get one person on the file who knows how Texas closings, taxes, and loan programs actually work.
This page is the statewide decision layer: which of the five published metros you are buying in, which financing variables change the payment in Texas, and which loan direction or officer to open next. Neighborhood inventory lives on the city pages. Program mechanics live in the Texas guides.
Texas is a title-company state. Financed purchases here typically close in 30–40 days. The snapshot at left is statewide; Austin and San Antonio are not the same housing market, and Dallas and Fort Worth are not interchangeable just because they share a metro name.
These five published city pages are not five copies of the same market. Open the metro that matches the house — then come back here for tax, limits, and assistance that apply statewide.
The highest-priced of the five. Jumbo vs. conforming shows up here more often than in Houston or San Antonio.
Mortgage lender in AustinShares 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 DallasMore purchasing power than Dallas or Austin. Naval Air Station JRB is why VA loans come up so often here.
Mortgage lender in Fort WorthNear the statewide median, with more inventory than Central Texas. Most area counties use the FHA floor.
Mortgage lender in HoustonThe 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 AntonioThese are programs Intra-Mortgage actually offers. Eligibility depends on the borrower, the property, and the county. The cards point to the detailed guide; they are not a substitute for it.
The low-down path many Texas buyers start with. County limits and the tax escrow usually matter more than the 3.5% down payment — the FHA Texas guide has the mechanics.
FHA loans in Texas3–5% down when credit and the payment (including tax escrow) fit. Mortgage insurance can drop at 20% equity.
Conventional loan guideZero down and no monthly mortgage insurance with full entitlement. Texas also runs Veterans Land Board programs that are separate from the federal VA loan.
VA loans in TexasTSAHC and TDHCA assistance can layer on an FHA or conventional first mortgage. Income and purchase-price limits are set by county.
Texas first-time buyer programsLoans above the $832,750 conforming baseline. Most relevant in higher-priced pockets of Austin and Dallas–Fort Worth.
Jumbo loan optionsLower the rate, shorten the term, or tap equity. We run the break-even math before anyone applies.
Refinance optionsStatewide variables that change qualification even when two homes list at similar prices. City pages and program guides carry the mechanics.
Texas property tax is escrowed into the monthly payment, so it feeds the debt-to-income ratio underwriters use. Two homes at similar prices can qualify differently once the county and school-district rate is on the file. Pull the rate on the house — not a statewide average — before you offer.
Homeowners insurance is collected with tax in the mortgage payment. A property-specific quote is what belongs in DTI; a generic Texas premium will not tell you whether the file qualifies.
As of May 2026, Austin's median ($542,460) is more than double San Antonio's ($270,000). Dallas, Fort Worth, and Houston sit in between with different inventory and different FHA-limit counties. Pre-approval strength and which loan limit applies change with the metro — open that city page next.
Most Texas counties use the 2026 FHA floor of $541,287. The Austin area and much of Dallas–Fort Worth sit above that floor; Houston and San Antonio generally do not. Conventional conforming starts at $832,750 in most counties. Confirm the county, then use the FHA Texas guide for how the limit is applied.
TSAHC and TDHCA programs can cover part of the down payment when they sit on an FHA or conventional first mortgage. Qualifying for assistance is not the same as qualifying for the loan. Which program fits depends on occupation, income, county, and first-time status — the first-time buyer guide has eligibility detail.
Texas assistance is designed to sit on top of a first mortgage from a participating lender. Use this list to see why a program might fit; the first-time buyer guide has the eligibility rules.
Texas first-time buyer programs — eligibility and how assistance layers
No credit pull to start. Program terms change; we confirm current eligibility with you.
These loan officers are licensed to originate in Texas. You work with one person from pre-qualification through closing.
Licensed in:
Statewide program detail lives in the insights library. City pages stay focused on the local market.
County limits, property-tax math, and how FHA works statewide
Read FHA Loans in TexasEntitlement, VLB home loans, and disabled-veteran tax exemptions
Read VA Loans in TexasTSAHC, TDHCA, and how assistance layers on a first mortgage
Read First-Time Buyer Programs in TexasFort Worth neighborhoods, local pricing, and Texas homestead notes
Read Buying a Home in Fort WorthThey are escrowed into the monthly payment, so they count in your debt-to-income ratio. Rates vary by county and school district. A home that looks affordable on price alone can push DTI over the line once the actual tax is added. We pull the county and ISD estimate before you write an offer.
Statewide options include TSAHC Homes for Texas Heroes and TDHCA My First Texas Home / My Choice Texas Home. Amounts and whether you must be a first-time buyer depend on the program and the county. Assistance and the first mortgage each have their own approval — the first-time buyer guide has the rules.
No. Most counties use the 2026 FHA floor of $541,287. The Austin area and much of Dallas–Fort Worth sit above that floor; Houston and San Antonio generally do not. Confirm the county, then read the FHA Texas guide for how the limit is applied.
Most financed purchases close in 30–40 days. Texas is a title-company state, which keeps the process moving compared with attorney-closing states, but high volume and county recording still set the pace.
We originate Texas mortgages through loan officers who are licensed in Texas. We do not advertise a Texas retail office network or a local market-share claim. You still get one licensed officer with a direct line, not a 1-800 round-robin.
With full VA entitlement, no — and there is no monthly mortgage insurance. Texas also runs Veterans Land Board home-loan programs that are separate from the federal VA loan. We compare those structures on your actual numbers; the VA Texas guide covers entitlement and VLB mechanics.
See what you qualify for in a few minutes, or talk to a loan officer licensed in Texas who can place you in the right metro conversation.