EXPLORE ALL LOAN TYPES
At Texas Made Mortgage, we offer a variety of loan options to fit your unique financial situation. From Conventional Loans for strong credit buyers to FHA and VA Loans designed for first-time buyers and veterans, we have the right loan for you. Need a Jumbo Loan for a high-value home or a Refinance to lower your payments? We’ve got you covered. Our team is here to find the perfect mortgage solution to meet your goals—quickly, efficiently, and with the best rates available. Whether you’re investing for the first time or expanding your portfolio, we’ve got your back.
SPECIAL PROGRAMS
Service Member Program
Offers down payment assistance for teachers, and first responders
BENEFITS
2% and 3.5% grant forgivable on day 1
Covers up to entire down payment
Reduces out-of-pocket expenses significantly
For Public Service Professionals
3% Down
Our 3% Down Payment loan is a program offers a robust solution to the challenges faced by many prospective homeowners!
BENEFITS
No PMI required once 20% equity is reached.
Only requires a 3% down payment
Flexible credit guidelines
No PMI Required!
First Time Home Buyer - DPA
This program gives first-time buyers a head start with forgivable down payment assistance and flexible options to make homeownership more achievable.
BENEFITS
2% and 3.5% forgivable grants
Reduces upfront costs
Non-occupant co-borrowers are allowed
Down Payment Assistance For First Time Home Buyers
Down Payment Assistance
Our 100% Financing loan helps cover your down payment
BENEFITS
3.5% and 5% assistance available
Covers up to entire down payment
Reduces out-of-pocket expenses significantly
Available To All Buyers
Cash-Out Refinance
A cash-out refinance replaces your existing mortgage with a new one for more than you owe, allowing you to take the difference as cash for personal use.
BENEFITS
Access home equity for major expenses or debt payoff.
Potential to lock in better loan terms.
Funds can be used for anything—renovations, tuition, investments, etc.
Great For Existing Homeowners Seeking Leverage
CONVENTIONAL
No Escrow
A conventional loan with no escrow where the borrower is responsible for directly paying property taxes and insurance.
BENEFITS
Lower monthly payments
More control over when and how taxes and insurance are paid
Potential interest earnings
For Those Managing Property-related Expenses
3% Down
Our 3% Down Payment loan is a program offers a robust solution to the challenges faced by many prospective homeowners!
BENEFITS
No PMI required once 20% equity is reached.
Only requires a 3% down payment
Flexible credit guidelines
No PMI Required!
Temporary Rate Buy Down
A financing option that allows borrowers to pay a reduced rate for the initial years of the loan term, resulting in lower monthly payments.
BENEFITS
Eases the transition into homeownership
Make homes more affordable in the short term
May provide flexibility in purchase negotiations
For Buyers Seeking Lower Initial Payments
First Time Home Buyer Rate Discount
First-time buyers can now get rates up to 1% lower permanently with TMM's Rate Discount Program.
BENEFITS
Erases all rate penalties
Helps lower your monthly payment
Lower rates are fixed for life
Lower Rates For First-Time Buyers
Adjustable Rate Mortgage
These loans offer very low interest rates for a set period (typically 5, 7 or 10 years), after which the interest rate will adjust and increase.
BENEFITS
Can increase buying power in the short term
Lower monthly payments
Down payments as low as 5%
Ideal For Buyers Planning to Move Again
GOVERNMENT
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
BENEFITS
3.5% down payment options
Flexible credit requirements
Fast closes - as little as 14 days
Great Pick For First-Time Buyers
VA
VA loans are available exclusively to veterans and active-duty personnel (along with their spouses) and are guaranteed by the U.S. Department of Veteran Affairs.
BENEFITS
No down payment required for qualified buyers
Low interest rates
Flexible underwriting guidelines
0% Down Payment Option
VA One-time Construction
Allows eligible veterans to finance the construction, lot purchase, and permanent mortgage of a new home with a single loan and closing process.
BENEFITS
No down payment and No PMI required
Single closing reduces costs and simplifies the financing process
Interest payments during construction not required
For Veterans Building A Home
Down Payment Assistance
Our 100% Financing loan helps cover your down payment
BENEFITS
3.5%, and 5% assistance available
Covers up to entire down payment
Reduces out-of-pocket expenses significantly
Available to All Buyers
Service Member
Offers down payment assistance for teachers and first responders
BENEFITS
2% and 3.5% grant forgivable on day 1
Covers up to entire down payment
Reduces out-of-pocket expenses significantly
For Public Service Professionals
First Time Home Buyer – DPA
This program gives first-time buyers a head start with forgivable down payment assistance and flexible options to make homeownership more achievable.
BENEFITS
2% and 3.5% forgivable grants
Reduces upfront costs
Non-occupant co-borrowers are allowed
Down Payment Assistance For First Time Homebuyers
LOW DOWN PAYMENT
FHA
FHA loans have flexible qualification requirements and low down payment options, making them a great option for first-time homebuyers.
BENEFITS
3.5% down payment options
Flexible credit requirements
Fast closes - as little as 14 days
Great Pick For First Time Buyers
3% Down
Our 3% Down Payment loan is a program offers a robust solution to the challenges faced by many prospective homeowners!
BENEFITS
No PMI required once 20% equity is reached.
Only requires a 3% down payment
Flexible credit guidelines
No PMI Required!
First Time Home Buyer - DPA
This program gives first-time buyers a head start with forgivable down payment assistance and flexible options to make homeownership more achievable.
BENEFITS
2% and 3.5% forgivable grants
Reduces upfront costs
Non-occupant co-borrowers are allowed
Down Payment Assistance For First Time Home Buyers
Down Payment Assistance
Our 100% Financing loan helps cover your down payment
BENEFITS
3.5% and 5% assistance available
Covers up to entire down payment
Reduces out-of-pocket expenses significantly
Available To All Buyers
Service Member
Offers down payment assistance for teachers and first responders
BENEFITS
2% and 3.5% grant forgivable on day 1
Covers up to entire down payment
Reduces out-of-pocket expenses significantly
For Public Service Professionals
REFINANCE
Cash Out Refinance
A cash-out refinance replaces your existing mortgage with a new one for more than you owe, allowing you to take the difference as cash for personal use.
BENEFITS
Access home equity for major expenses or debt payoff.
Potential to lock in better loan terms.
Funds can be used for anything—renovations, tuition, investments, etc.
Great for Home Owners Seeking Leverage
HELOC
A Home Equity Line of Credit is a revolving line of credit secured by your home’s equity, giving you flexible access to funds as needed, similar to a credit card.
BENEFITS
Borrow only what you need, when you need it
Interest-only payments during the draw period
Access up to 80% of the home equity
Best for Home Owners Seeking a Flexible Option
FHA Streamline
An FHA Streamline Refinance is a simplified refinance option for current FHA loan holders that lowers interest rates with less paperwork and no appraisal in most cases.
BENEFITS
No income verification or home appraisal usually required
Lower interest rate and reduced monthly payments
Fast and easy approval process
Ideal for Home Owners With An Existing FHA Loan
VA IRRRL
An IRRRL (Interest Rate Reduction Refinance Loan) is a streamlined refinance exclusively for VA loan holders to lower their interest rate with minimal documentation and no appraisal in most cases.
BENEFITS
No income verification or appraisal typically required
Quick and easy approval process
No out-of-pocket costs in many cases
Designed for Current VA Loan Owners
Conventional Refinance
A conventional refinance loan allows homeowners to replace their current mortgage with a new one—often at a lower rate or better terms—without government backing.
BENEFITS
Lower interest rates and monthly payments
No upfront mortgage insurance with 20% equity
Flexible terms and lender options
Ideal For Those With Good Credit Looking to Re-structure Loan
NON-QM
DSCR
A conventional loan with no escrow is a type of mortgage where the borrower is responsible for directly paying property taxes and insurance, rather than including them in the monthly mortgage payment.
BENEFITS
Lower monthly payments since escrow amounts aren’t included
More control over when and how taxes and insurance are paid
Potential interest earnings
Available To All Buyers
Jumbo Loan
A jumbo loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, used to finance high-value properties.
BENEFITS
Allows purchase of luxury or high-cost homes
Flexible loan terms and structures
Can be used for primary, secondary, or investment properties
Loan For High-income Borrowers
ITIN
An ITIN loan is a mortgage designed for borrowers who do not have a Social Security number but have an Individual Taxpayer Identification Number (ITIN).
BENEFITS
Provides homeownership opportunities for non-citizen residents
No Social Security number required
Flexible documentation and down payment options
Ideal for Non-US Citizens or Immigrants
Bank Statement Loan
A bank statement loan is a type of mortgage that allows self-employed borrowers to qualify using personal or business bank statements instead of traditional income documents.
BENEFITS
No W-2s or tax returns required
Ideal for self-employed or gig workers
Flexible income documentation based on real cash flow
Ideal for Self-Employed or Business Owners
Hard Money
A hard money loan is a short-term, asset-based loan from a private lender that’s secured by the property rather than the borrower’s financials.
BENEFITS
Fast funding, often within days
Flexible requirements and underwriting
No Pre Payment Penalty
Ideal for Investors Needing Quick Capital
INVESTMENT
DSCR
A conventional loan with no escrow where the borrower is responsible for directly paying property taxes and insurance, rather than including them in the monthly mortgage payment.
BENEFITS
Lower monthly payments
More control over tax and insurance payments
Potential interest earnings
Ideal For Financially Disciplined Homeowners
Hard Money Loan
A hard money loan is a short-term, asset-based loan from a private lender that’s secured by the property rather than the borrower’s financials.
BENEFITS
Fast funding, often within days
Flexible requirements and underwriting
No Pre-Payment Penalty
Ideal For Investors Needing Quick Capital
Fix and Flip
A fix-and-flip loan is a short-term loan designed to finance both the purchase and renovation of a property intended for resale.
BENEFITS
Covers both purchase and rehab costs
Interest-only payments during the construction term
One-time close saves from extra closing costs
Best For “House Flippers”
HELOC
A revolving line of credit secured by your home’s equity, giving you flexible access to funds as needed, similar to a credit card.
BENEFITS
Borrow only what you need, when you need
Interest-only payments during the draw period
Access up to 80% of the home equity
Homeowners Seeking Flexible, Ongoing Access to Funds
Construction
A one-time close construction loan finances both the construction and permanent mortgage of a home with a single loan and closing process.
BENEFITS
One set of closing costs and paperwork
Locks in the interest rate upfront
Simplifies the financing process from build to move-in
Ideal For Buyers Looking For A Streamlined Solution
Why Realtors Love Working with Us
UNMATCHED COMMUNICATION
We utilize modern technology while maintaining a personal touch, ensuring you’re informed every step of the way.
We host in-person classes on market updates and loan products, equipping you with knowledge to better serve your clients. Interested in co-hosting a class with us? Let’s work together to educate and empower more homebuyers!
Educational Opportunities
We provide tools and tech solutions that help real estate agents grow their business.