HomeReady and Home Possible: Conventional 3% Down in Texas
HomeReady and Home Possible let income-eligible Texas buyers put 3 percent down on a conventional loan with cheaper mortgage insurance. Here is who qualifies.
-
-
Physician Loans in Texas: When a Standard Mortgage Beats Them
A physician loan offers zero down and no PMI, but often at a higher rate. Here is when a standard Texas mortgage beats the doctor loan on total cost.
-
Bridge Loans in Texas: Buying Before You Sell Your Home
Bridge loans help you buy before you sell, but they are costly. Here is how bridge loans work in Texas and when a Conventional loan beats them.
-
Appraisal Waivers in Texas: When You Can Skip the Appraisal
An appraisal waiver can save you the fee and several days at closing. Here is when a Texas conventional loan qualifies, and when skipping the appraisal is unwise.
-
Buying a Texas Home With a Non-Occupant Co-Borrower: How It Works
A non-occupant co-borrower can help you qualify for a Texas home loan. See how it works on conventional, FHA, and VA loans, plus the risks to weigh.
-
DSCR Loans for Texas Real Estate Investors: A 2026 Guide
DSCR loans qualify on a rental’s cash flow, not your income. Here is how the math works and when a conventional investment loan beats DSCR on rate and cost.
-
Bank Statement Loans for Self-Employed Texans: How the Math Works
Self-employed Texans are often told they need a bank statement loan. Here is how the math works and when a conventional loan beats it on rate and cost.
-
Condo Financing in Texas: Why Warrantability Decides Your Loan
A condo loan approves the building, not just you. See what warrantability means in Texas, why projects fail it, and how to check before you make an offer.
-
Financing a Texas Lake House: How Second-Home Loans Differ
Second-home loans follow different rules than your primary mortgage. Down payments, occupancy traps, Airbnb limits, and flood costs for Texas lake buyers.
-
Conventional Loans in Texas: The 3%, 5%, 10%, and 20% Down Paths
Texas conventional loans offer four main down payment tiers, from 3% to 20%, and each one carries different costs, PMI obligations, and qualification requirements. Here’s the breakdown.
