VETERAN-OWNED · SERVING TEXAS
Texas mortgage guidance.
A broker on your side.
Buying a home or planning a refinance? Connect with Tim Finn or Ronda Shirley to compare lender options and plan your next steps with Future Home Loans.
Meet your Texas mortgage team
Connect with a Texas-licensed broker for personal guidance on your home purchase or refinance.
Timothy Finn
Based in Jacksonville, Florida
Texas-licensed · NMLS #187322
Discuss your plans, compare financing options, and understand the next steps with Tim.
Ronda Shirley
Serving Texas homebuyers and homeowners
Texas-licensed · NMLS #2776080
Discuss your plans, compare financing options, and understand the next steps with Ronda.
Buying a home in Texas
Start with the property and your budget. Share the Texas county, expected purchase price and whether the home will be your primary residence, a second home or an investment. Your income, debts, credit and available down payment help determine which financing options may fit. Explore our loan programs before discussing your options with a broker.
Include taxes and insurance in your payment estimate. Budget for property taxes, homeowners insurance, any mortgage insurance and HOA dues alongside principal and interest. A Texas residence homestead exemption may reduce taxes for an eligible principal residence. Review the Texas Comptroller’s exemption guidance and contact your county appraisal district about eligibility and filing.
Research homebuyer assistance before relying on it. The Texas Department of Housing and Community Affairs offers mortgage and down payment assistance programs for eligible buyers. Program requirements and approved-lender participation apply. Review the official Texas Homebuyer Program for current options, eligibility and participating lenders.
Compare your Texas refinance
Compare the new loan with the one you have. Consider the rate, closing costs, remaining and proposed loan terms, and monthly payment together. A lower payment may come from extending repayment, so compare total borrowing costs and how long you expect to keep the loan.
Clarify whether you need cash out. A cash-out refinance secured by a Texas homestead can be subject to state home equity requirements. Tell your broker whether you want to replace the current mortgage, access equity or both so the applicable loan structure can be reviewed. The Texas mortgage regulator’s resources link to the homestead cash-out rules.
For a purchase or refinance, your mortgage broker can explain the process and documents needed. See how the home loan process works.