Home Loans Made Simple in Texas
Work with a local mortgage professional to secure competitive rates, quick approvals, and a smooth closing experience.
What is your primary goal?
Select the option that best describes what you're looking to do.
What Are You Looking For?
Select an option below to explore personalized mortgage solutions tailored to your goals.
Home Loans in 3 Simple Steps
We've streamlined the mortgage process so you can close faster and with less stress.
1. Apply or Connect
Fill out a quick application online or schedule a brief call to discuss your goals.
2. Get Pre-Approved*
We'll review your options and provide a pre-approval* letter so you can shop with confidence.
3. Close With Confidence
Our team handles the heavy lifting to ensure a smooth, on-time closing day.
Comprehensive Loan Options
Whether you're buying your first home, upgrading, or investing, we have a loan program designed to fit your unique financial situation.
Conventional Loans
The most common type of mortgage for buyers with good credit.
Ideal for borrowers with good credit and a down payment of at least 3%. Conventional loans offer competitive rates and flexible terms for primary homes, second homes, and investment properties.
FHA Loans
Government-backed loans with flexible credit requirements.
Backed by the government, FHA loans offer lower minimum credit scores and down payments as low as 3.5%. Perfect for first-time buyers or those building their credit.
VA Loans*
Exclusive 0% down* loans for veterans and military members.
Exclusive to eligible veterans and active-duty service members, offering 0% down* payment, competitive rates, and no private mortgage insurance (PMI).
USDA Loans*
0% down* financing for rural and suburban homebuyers.
Designed for rural and suburban homebuyers, offering 0% down* financing for eligible properties with low mortgage insurance rates.
Jumbo Loans
Financing for luxury homes and high-value properties.
For luxury homes and properties that exceed conforming loan limits in your specific Texas county. Competitive rates for high-value real estate.
1x Close Construction
Build your dream home with one closing.
Combine land, construction, and permanent financing into one loan with one closing. Available for FHA, VA, and Conventional loans.
Refinance Loans
Lower your rate, reduce payments, or access home equity.
Whether you want to lower your monthly payment, shorten your loan term, or tap into your home's equity with a cash-out refinance, we have the right solution.
Is It Time to Refinance?
Whether you want to lower your monthly payment, tap into your home's equity, or pay off your loan faster, our Texas refinance professionals can help you find a great solution.
- Lower your monthly payments
- Get cash out for home improvements
- Consolidate high-interest debt
Don't Miss Out on Free Money for Your Home Purchase
Texas offers numerous state and local grants, down payment assistance programs, and first-time buyer incentives. We'll help you find every dollar you qualify for to make homeownership more affordable.
- Down Payment Assistance (DPA)* Programs
- Texas State Specific Grants
- Tax Credit Certificates (MCCs)
Check Your Eligibility
Take our 60-second quiz to instantly see which Texas down payment assistance programs match your profile.
Mortgage Calculator
Estimate your monthly payments
Estimated Monthly Payment*
*Hypothetical monthly mortgage payments reflect hypothetical principal & interest amounts rounded-sm to the nearest dollar amount and do not include estimated insurance, taxes, or other possible fees. These figures and rates are for educational purposes only and do not reflect an official mortgage loan offer.
See What You Can Afford in 60 Seconds
Stop guessing. Get a realistic estimate of your maximum home price and monthly payment based on current Texas rates and guidelines.
- No credit check required
- Includes estimated Texas property taxes*
- Instant results delivered to you
Interactive Home Buying Calculators
Make informed decisions with our easy-to-use tools.
Rent vs. Buy Calculator
Total Rent Paid
$127,419
Over 5 years
Est. Home Equity Gained
$75,829
Over 5 years
Buying looks like a smart financial move over this timeframe!
*These figures are for educational purposes only and do not reflect an official mortgage loan offer.
Hi, I'm Taylor Ring
As a Texas-based Loan Officer with Fairway Independent Mortgage Corporation, I'm passionate about helping families and individuals across the state navigate the home loan process with clarity and confidence.
Buying a home is one of the biggest decisions you'll make, and you deserve a loan officer who takes the time to understand your goals, answers your questions honestly, and keeps you informed every step of the way. My focus is on building a real relationship with you, not just closing a transaction.
- Licensed Loan Officer, NMLS# 2809683
- Dedicated to clear, honest communication
- Personalized guidance from application to closing
Where Do You Stand?
See how your profile matches up with common Texas home loan requirements to find an optimal path forward.
Credit Score Ranges
Your score helps determine your interest rate and loan eligibility.
Qualify for highly competitive rates & all loan types.
Highly competitive rates for conventional and FHA loans.
Standard conventional minimum, great for FHA & VA.
FHA loans available with a 3.5% down payment.
Down Payment Tiers
How much you put down impacts your monthly payment and PMI.
No Private Mortgage Insurance (PMI) required.
Common for conventional loans with manageable PMI.
Perfect for FHA or conventional first-time buyer programs.
Available for eligible VA and USDA loan borrowers.
Worried About Getting Approved?
- Low credit? You still have options
- Not sure how much you need? We'll guide you
- First time? We simplify everything
Mortgage Glossary
Understand the common terms used in the home buying process.
Frequently Asked Questions
Answers to common questions about securing a mortgage in Texas.
Ready to Get Started?
Take the first step toward your new home. Schedule a free consultation or apply online today. Limited availability each week.
Prefer to Text?
Not everyone wants to book a call. Send me a quick text and I'll get back to you ASAP.