Texas
Loan Programs
Flexible Options. Personalized Solutions. Trusted Guidance.
At First Mortgage Loans, we offer a full range of mortgage loan programs designed to fit your goals. Whether you are buying your first home, upgrading to a new property, or refinancing your current mortgage, we provide expert guidance and personalized solutions every step of the way.
Mortgage Solutions for Every Borrower
Every loan is personally handled to ensure accuracy, clarity, and a smooth experience. Our goal is to match you with the right home loan based on your financial situation, timeline, and long-term goals.
Conventional Loans
- Flexible mortgage options for buyers with strong credit who want competitive rates and versatile loan terms.
- Low down payment options available
- Fixed-rate and adjustable-rate mortgages
- Ideal for primary homes, second homes, and investment properties
FHA Loans
- Affordable home loan programs designed for first-time buyers or those with limited down payment savings.
- Down payments as low as 3.5%
- Flexible credit requirements
- Ideal for first-time homebuyers in Texas
VA Loans
- Exclusive mortgage benefits for veterans, active-duty service members, and eligible military families.
- No down payment required
- Competitive interest rates
- No private mortgage insurance (PMI)
Jumbo Loans
- Financing solutions for high-value homes that exceed conventional loan limits.
- Loan options for luxury and high-value properties
- Competitive rates for qualified borrowers
- Available for primary, secondary, or investment homes
Cash-Out Refinancing
- Leverage your home’s equity to access cash while refinancing your mortgage.
- Access built-up home equity
- Refinance to adjust your rate or loan term
- Flexible options for major expenses or debt consolidation
First-Time Buyer Programs
- Helping Texans take the first step into homeownership with confidence and clarity.
- Low down payment options
- Flexible credit requirements
- Access to grants and assistance programs in Texas
Real Estate Services
- Comprehensive support to help you navigate buying, selling, or investing in Texas real estate.
- Guidance for buyers and sellers
- Market insights and property evaluations
- Support with negotiations and contracts
Property Tax Protest Services
- Ensure your property taxes are accurate and fair with expert assistance.
- Review and challenge property tax assessments
- Representation during hearings
- Guidance throughout the protest process
Frequently Asked Questions
What loan programs do you offer in Texas?
We offer Conventional, FHA, VA, Jumbo loans, refinancing options, and first-time buyer programs.
How do I choose the right loan program?
We review your financial profile and recommend the best mortgage options for your needs.
Are FHA loans good for first-time buyers?
Yes. FHA loans are designed for buyers who need lower down payments and flexible credit requirements.
Who qualifies for VA loans?
VA loans are available to eligible veterans, active-duty service members, and qualifying spouses.
What is a Jumbo loan?
A Jumbo loan is used for properties that exceed conventional loan limits, typically higher-value homes.
What is cash-out refinancing?
It allows you to refinance your mortgage for a higher amount and receive the difference in cash.
Do you offer help for first-time homebuyers?
Yes. We provide programs and guidance tailored to first-time buyers in Texas.
Can I refinance my current mortgage?
Yes. We offer refinancing options to help lower rates or access equity.
Do you provide real estate support as well?
Yes. We offer guidance for buying, selling, and investing in Texas real estate.
How do I get started?
Click apply now and complete the short application to explore your loan options.