FHA Loan Limits Just Rose in Texas: What the 2026 Numbers Mean
FHA loan limits rose for 2026: $541,287 in most Texas counties and $563,500 in the Austin and DFW metros. The myths around those numbers cost buyers real options.
-
-
The ROAD to Housing Act: What It Could Mean for Texas Buyers
Congress passed the 21st Century ROAD to Housing Act in June 2026. A Texas look at the FHA small-loan pilot, appraisal appeal rules, and what could change.
-
When to Lock Your Mortgage Rate in Texas: Float-Downs Explained
Should you lock your mortgage rate or float? Here is how lock periods, float-down options, and extensions work for Texas buyers, and when to lock.
-
Discount Points and Buydowns in Texas: The Break-Even Math
Should you pay discount points on your Texas mortgage? Learn the break-even calculation, when seller-paid points change the equation, and how 2-1 buydowns actually work.
-
Doctor Loans for Texas Physicians and Residents: How They Work in 2026
Texas physicians and residents can buy homes with as little as 0% down using a doctor loan. Learn how physician loans handle student debt and what specialties qualify.
-
Texas Mortgage Broker vs. Bank: Which Actually Saves You More
Texas buyers often ask whether a mortgage broker or bank will save them more. Anthony Ferrando breaks down how each works, where each wins, and how to compare Loan Estimates side by side.
-
ARM Loans in Texas: When an Adjustable Rate Makes Sense in 2026
In June 2026, 5/1 ARMs in Texas are pricing 0.5-0.75 points below the 30-year fixed. Here is when an adjustable rate actually makes sense for Texas buyers.
-
Removing PMI: The Three Paths Texas Homeowners Can Use
Texas homeowners paying private mortgage insurance have three distinct paths to remove it. Learn how automatic cancellation, early request based on appreciation, and refinancing each work and which is right for your loan.
-
DSCR Loans in Texas: How Real Estate Investors Qualify
DSCR loans let Texas real estate investors qualify based on a property’s rental income, not personal tax returns. Here is how the program works and who it fits.
-
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.
