A Texas loan for every situation
From first-home loans to construction, bridge, commercial, and investor financing, one Texas team handles it all. Whether you are buying your first home in San Antonio, refinancing in Austin, building in the Hill Country, or financing an investment property, the right loan is here. We match you to it, explain the trade-offs plainly, and keep the process moving.
Choose your path
Not sure which loan fits? Start with a conversation. We run your numbers across the programs that apply and tell you which one puts you in the strongest position.
Conventional
Fixed and adjustable loans with as little as 3% down, the broadest-market choice for Texas buyers with solid credit.
FHA
Government-backed financing with a lower down payment and flexible credit guidelines, built for first-time Texas buyers.
VA
Zero down, no monthly mortgage insurance, and a benefit earned through service, for eligible veterans, active duty, and surviving spouses.
USDA
100% financing for eligible homes in rural and small-town Texas, including parts of the Hill Country and outer metro areas.
Jumbo
Financing above the conforming limit for higher-priced Texas homes, with competitive terms on larger loan amounts.
Refinance
Lower your rate, shorten your term, or access your equity. We run your real numbers before you commit.
Construction
Finance the build of your new Texas home with a loan that covers construction costs and converts to a permanent mortgage at completion.
Bridge
Short-term financing that lets you buy your next Texas home before your current one sells, without a contingent offer.
Commercial
Income-property financing for multifamily, office, retail, and industrial assets across Texas, underwritten on property cash flow.
Hard Money
Fast, asset-based financing for Texas investors who need to close quickly on fix-and-flip or bridge deals.
What actually determines the right program
Purchase price and location
The price you are targeting and the property location rule out or open up programs from the start. USDA requires an eligible rural or suburban area. Jumbo kicks in above $766,550 in most Texas counties. FHA and VA have their own limits.
Down payment available
VA and USDA allow zero down for eligible borrowers. FHA requires 3.5% with qualifying credit. Conventional starts at 3% for primary residences. Jumbo typically requires 10% to 20% or more.
Credit profile
FHA and VA have more flexible credit guidelines than conventional. Jumbo underwriting is the most thorough. A lower score today does not mean you are stuck, it means the path may look slightly different for now.
Military or veteran status
If you are a veteran, active-duty service member, or eligible surviving spouse, the VA loan benefit should be on the table every time. Zero down and no monthly mortgage insurance is a powerful starting position.
Current loan situation
If you own a home already, the equity you have built shapes your options. Rate-and-term refinances and cash-out refinances each follow their own path, and in Texas the cash-out rules have constitutional limits we walk through with you.
Income and documentation
W-2 income, self-employment, and retirement income all qualify, but they are documented differently. Jumbo is the most documentation-intensive. FHA Streamline and VA IRRRL offer faster refinance paths for existing government-loan borrowers.
Ready to see your numbers?
A quick conversation is usually all it takes to narrow down the right program. No commitment, no pressure, just a clear picture of where you stand.
Apex Capital Mortgage, LLC (NMLS #2583932) supports Equal Housing Opportunity. This is not a commitment to lend. All loans are subject to credit approval, income and asset verification, and property appraisal. Rates, terms, and programs are subject to change without notice and may vary by borrower and property. Not all applicants will qualify. Information on this site is for general educational purposes and does not constitute financial or legal advice.
Ready to see your rate?
Get a real pre-approval from a Texas loan officer who picks up the phone, with no credit-pulling games and no surprises at closing.