TX
Mortgage Broker Serving Texas - More Options, Better Rates
Matt Mayo is a personally licensed mortgage broker serving buyers across the Lone Star State — from Dallas-Fort Worth to Houston, Austin to San Antonio, and everywhere between. With access to 150+ wholesale lenders, I help first-time homebuyers, investors, veterans, and self-employed borrowers find loan programs that big banks and online lenders don't offer. Texas is one of the most active housing markets in the country, and having the right financing strategy matters. Book a free consultation to see what you qualify for.
Book a Free ConsultationTexas Loan Programs & Assistance
Home Sweet Texas (TSAHC)
Down payment assistance up to 5% of the loan amount as a grant or forgivable second mortgage. Works with FHA, VA, and conventional.
Income limits vary by county, min 620 credit, homebuyer education required. Statewide through participating lenders.
Homes for Texas Heroes (TSAHC)
Same as Home Sweet Texas but for teachers, first responders, corrections officers, veterans, and other community heroes. Up to 5% DPA.
Must be employed in qualifying profession, income limits apply, min 620 credit.
Texas Mortgage Credit Certificate (MCC)
Federal income tax credit equal to a percentage of mortgage interest paid each year. Can save $2,000+ annually for the life of the loan. Can combine with TDHCA or TSAHC.
First-time buyer or buying in targeted area, income limits apply, must pair with participating lender.
Lender-Specific DPA Programs
Additional DPA through wholesale lenders, up to 100% of FHA closing costs. Programs change frequently.
Varies by program. Only available through brokers with wholesale lender access.
2026 Conforming Loan Limits
Baseline Conforming
$832,750
Why Work With a Texas Mortgage Broker?
Texas has no shortage of lenders competing for your business — banks, credit unions, online lenders, and big mortgage companies all operate here. But most of them are offering you their products at their rates. As a broker, I shop your loan across 150+ wholesale lenders to find the best combination of rate, fees, and program eligibility for your specific situation.
That matters in Texas because the market varies so much between metros and price points. The right strategy for a $500K Austin purchase is different from a $280K Houston townhome or a $350K San Antonio single-family. I build the loan around you, not around what's convenient for me.
What "150+ Lenders" Actually Means for You
It's not just rate shopping — though that matters. Different lenders have different guidelines. One lender might accept a lower credit score, another might calculate your self-employment income more favorably, and a third might allow seller concessions that others won't. When I have 150+ options, I find the lender whose guidelines work best for your file.
For Texas buyers, this is especially valuable when working with new construction builders (who sometimes push their preferred lender) or when combining DPA programs with specific loan types. I know which lenders play well with TDHCA and TSAHC programs and which don't.
My Pre-Approval Actually Means Something
I don't hand out pre-approval letters based on a quick conversation and a credit pull. I review your complete financial picture upfront — income, assets, debts, and tax returns — so the pre-approval I issue holds up when it matters. In Texas's current market, where sellers are getting more selective and listing agents are comparing offers carefully, a thorough pre-approval gives your offer real credibility.
Your Texas Mortgage Broker
I'm personally licensed in Texas and work with buyers across the state. My office is in Long Beach, California, but I handle the entire process virtually — from consultation through closing. I'm available by phone, text, or video, and I work with Texas-based agents, title companies, and surveyors to make sure the process is smooth. Texas has some unique closing customs (including the survey requirement and the attorney opinion letter), and I know how to navigate them efficiently.
Frequently Asked Questions
How much do I need for a down payment to buy a home in Texas?
It depends on loan type and price. FHA requires 3.5% — on a $334,000 home (the state median), that's about $11,700. Conventional starts at 3% ($10,020). VA requires zero down. And Texas DPA programs through TDHCA and TSAHC can provide up to 5% of your loan amount as a grant or forgivable loan, which can cover most or all of your down payment.
What is the FHA loan limit in Texas for 2026?
Most Texas counties have an FHA limit of $541,287 for a single-family home. Higher-cost counties like Travis (Austin), Collin, Dallas, and parts of Harris County have limits up to $571,550. These limits cover the majority of entry-level and mid-range purchases across the state.
What is the conforming loan limit in Texas for 2026?
The conforming limit is $832,750 statewide — the same in all 254 counties. Texas has no high-cost conforming exceptions, so this is a uniform number. If you need more than $832,750, you'll need jumbo financing — and I have options with as little as 5% down.
What first-time buyer programs are available in Texas?
Texas has excellent options. TDHCA's My First Texas Home and TSAHC's Home Sweet Texas and Homes for Texas Heroes all offer up to 5% DPA as a grant or forgivable second mortgage. You can also pair these with the Texas Mortgage Credit Certificate (MCC) for annual tax savings. Many cities — including Austin, Houston, Dallas, and San Antonio — have additional local programs. I help clients figure out which ones they qualify for and how to stack them.
Can I buy a home in Texas if I'm self-employed?
Yes. Bank statement loans let you qualify based on actual deposits over 12–24 months rather than tax returns. This works well for Texas business owners, freelancers, and independent contractors. Rates are slightly higher than conventional, but it opens the door when traditional underwriting says no.
What's the difference between working with a mortgage broker and a bank?
A bank can only offer its own products. I shop across 150+ lenders to find the best rate, fees, and program fit for your situation. In Texas, that means access to DPA programs from multiple lenders, competitive jumbo financing, specialty programs for investors, and non-QM options for self-employed buyers. My job is to get you the best deal available — not to sell you one product.
Let's talk about buying in Texas
Take the 2-minute quiz and I'll personally review your options. No pressure, no obligation.
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