TEXAS MORTGAGE BROKER · SINCE 2012
Texas Mortgage Broker
Licensed statewide. Personal service. Wholesale rates. I help Texans across every major market secure the best mortgage for their situation.
Why Use an Independent Mortgage Broker in Texas?
An independent broker shops wholesale lenders for you instead of selling one bank’s retail pricing. Most mortgage companies carry layers of overhead, including big offices, management teams, marketing budgets, and agent kickbacks, and all of that cost gets baked into your rate. My company is built differently: low overhead, wholesale pricing passed directly to you, and one person handling the loan start to finish.
I am Anthony Ferrando, and I have been helping Texans finance their homes since 2012. As a loan officer with Client Direct Mortgage, an independent mortgage brokerage, I am licensed across the entire state of Texas, and I also run Mortgage Austin, my Austin-area brand.
That means whether you are buying in Austin, Houston, Dallas, Fort Worth, San Antonio, or anywhere in between, you get the same personal service and wholesale pricing. No call centers, no rotating loan officers, no retail markup. Just me, start to finish.
Key facts:
- Licensed statewide in Texas, originating since 2012
- 2026 conforming loan limit in every Texas county: $806,500 (FHFA)
- 2026 FHA loan limit in most Texas counties: $524,225 for a single-family home (HUD)
- Minimum down payments: 3% conventional, 3.5% FHA, $0 VA for qualified borrowers
🏠
Wholesale Rates, Statewide
I have access to wholesale lender rates that banks do not offer their customers. You get the inside price, not the retail markup.
🤝
One Person, Start to Finish
You work directly with me from application to closing. No hand-offs to junior associates, no call centers, no surprises.
📋
Every Loan Type Covered
Conventional, FHA, VA, Jumbo, refinance, investment property, DSCR. Whatever your situation, I have a solution.
Which Texas Cities Do I Serve?
I am licensed across the entire state of Texas, so I can originate a loan anywhere in the state. Most of my clients buy in Houston, Dallas, San Antonio, Fort Worth, and Austin, but the same wholesale pricing and process apply in every market in between. For pricing context, see current Texas mortgage rates and the Texas housing market.
Houston · Dallas · San Antonio · Fort Worth · Austin · El Paso · Corpus Christi · And everywhere in between
Loan Programs I Offer
| Program | Best suited for |
|---|---|
| Conventional Loans | Buyers with solid credit; 3% minimum down, PMI removable at 20% equity |
| FHA Loans | First-time buyers and flexible credit; 3.5% minimum down |
| VA Loans | Eligible veterans and service members; $0 down, no monthly PMI |
| Jumbo Loans | Loan amounts above the $806,500 conforming limit |
| Refinance | Lower rate, shorter term, or Texas 50(a)(6) cash-out |
| Investment Property | Rental purchases via conventional or DSCR qualification |
Ready to Work With a Texas Mortgage Broker Who Actually Picks Up the Phone?
No pressure, no obligation. Just an honest conversation about your situation and how I can help.
Anthony Ferrando NMLS# 1919613 | Client Direct Mortgage NMLS# 1065732