Mortgage FAQ | Texas Made Mortgage

Answers to common questions about getting a mortgage in Texas. Have a question that isn't here? Reach out and we'll help.

Getting Started

How do I get pre-approved for a mortgage?

Pre-approval starts with a quick review of your income, credit, and assets. We'll give you a letter showing how much you can borrow, which strengthens your offer when you find a home.

What credit score do I need to buy a home in Texas?

It depends on the loan. FHA loans may allow scores as low as 580, conventional loans generally start around 620, and VA programs vary by lender. We'll help you find the best fit for your situation.

How much do I need for a down payment?

VA loans can require zero down, FHA as little as 3.5%, and many conventional loans as little as 3%. Down payment assistance may also be available for qualified buyers.

Loan Programs

What types of loans do you offer?

We offer VA, FHA, conventional, DSCR, and down payment assistance programs, along with refinancing. We'll match you to the program that fits your goals.

What's the difference between FHA and conventional loans?

FHA loans are more flexible on credit and down payment but carry mortgage insurance for the life of the loan in most cases. Conventional loans can have removable PMI and competitive rates for stronger credit. Learn more »

The Process

How fast can I close on a home?

Many of our loans close in as little as 10 days once you're under contract, depending on your loan type and how quickly documentation is provided.

What documents will I need to apply?

Typically pay stubs, W-2s or tax returns, bank statements, and identification. If you're self-employed, we may ask for additional documentation like profit-and-loss statements.

Do you serve the entire Dallas–Fort Worth area?

Yes. We serve buyers and homeowners across DFW, including Dallas, Plano, Frisco, McKinney, and all of Texas.

Still Have Questions?

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