Texas Flood Zones: How to Check Before You Make an Offer
Flood zone designation in Texas can affect your mortgage payment, insurance requirements, and negotiating position. Here is how to check any property before making an offer.
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Jumbo Loans in Texas: When You Cross the Conforming Limit
Once your loan exceeds $806,500, you are in jumbo territory. Here is what that means for Texas buyers: different credit standards, larger reserves, and slightly different rate dynamics.
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Texas Property Taxes by County: What Buyers Actually Pay
I am Anthony Ferrando, a mortgage loan originator based in Austin, and one of the questions I hear most often from buyers relocating to Texas from other states is some version of: “I heard Texas has high property taxes. How high are we talking?” The answer depends entirely on which county you are buying in,…
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Houston Flood Zones: What Harris County Buyers Need to Know
Flood zones in Harris County affect your mortgage costs and insurance requirements. Here is what Houston buyers need to know before making an offer in 2026.
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Buying a Home in Fort Worth: The Tarrant County Mortgage Guide
Fort Worth is a different mortgage market than Dallas. Tarrant County property taxes, builder activity, and loan specifics deserve their own breakdown before you make an offer.
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Texas Job Growth Is Pushing Housing Demand Higher in 2026
Texas added 132,500 jobs in 2025 with more projected for 2026. Here is where that growth is happening and what it means practically for home buyers in the state this year.
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Texas Seller Concessions Are Rising: What to Negotiate in 2026
More than two-thirds of Texas homes sold below list price in 2026. I break down the concessions buyers are winning and how to negotiate them in Dallas, Houston, and San Antonio.
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Texas Homestead Exemption: What New Homeowners Need to File
Texas’s 2026 homestead exemption removes $140,000 from your appraised value for school district taxes. Here is who qualifies, how to file at any Texas county appraisal district, and what most new owners miss.
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The Texas Option Period: What It Costs and How to Use It Wisely
Texas buyers have something most states don’t: an option period that lets you walk away from any purchase for any reason within a set number of days. Here’s how to use it.
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Texas Housing Inventory Is Up: What That Actually Means for Buyers in 2026
Something shifted in the Texas housing market, and if you are planning to buy a home this year, you need to understand it. After years of razor-thin inventory and frantic bidding wars, the market has rebalanced. Sales were down about 8% year-over-year heading into 2026, and inventory has climbed above balanced-market norms in several major…
