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Texas Home Purchase

Buy your Texas home with a lender who knows this market

Whether you are buying your first home or moving up to the next one, Apex Capital Mortgage guides you from pre-approval through closing with clear guidance and loan programs matched to your situation.

Start your pre-approval(210) 815-4959

NMLS #2583932Equal Housing Opportunity

Who we help

Purchase financing for every kind of Texas buyer

Texas real estate moves at its own pace. We know the markets, the programs, and the timelines, and we match the loan to the buyer, not the other way around.

First-time buyers

We slow down and explain everything, from escrow to property tax prorations, so you understand what you are signing and why. No jargon, no pressure.

Move-up buyers

Buying before you sell, or selling first and timing the close? We help you structure the transaction so your existing equity works for you in your next purchase.

Veterans and service members

We process VA loans regularly and know the entitlement, funding fee, and appraisal process inside out. You earned this benefit; we help you use it correctly.

The process

Your path from application to keys

A clear, predictable process from day one. No mystery, no silence between milestones, and a real person available when you have questions.

Get pre-approved today

Or call us at (210) 815-4959 to talk through your situation first.

  1. Start your pre-approval

    We pull a full credit review, verify income and assets, and issue a pre-approval letter that sellers and agents take seriously, not a soft pre-qualification that falls apart in underwriting.

  2. Choose your loan program

    We compare every program you qualify for, conventional, FHA, VA, USDA, and jumbo, then walk you through the real trade-offs in rate, down payment, and monthly cost so you can decide with confidence.

  3. Shop and make your offer

    With a solid pre-approval in hand you can move fast when the right home comes up. We stay reachable through the offer process and can turn a revised letter around quickly when you need it.

  4. Lock your rate and go to underwriting

    Once your offer is accepted we lock your rate, order the appraisal, and move your file through underwriting. We keep you updated at every milestone so there are no surprises at the closing table.

  5. Close and get your keys

    We coordinate with title, the seller's agent, and your real estate attorney to get the closing disclosure right and close on time. Most of our Texas purchase closings are on schedule.

Loan programs

Purchase programs for Texas homes

We offer every major purchase loan program. Below are the ones that come up most for Texas buyers. Click any to see the full picture.

  • Conventional

    As low as 3% down

    Fixed and adjustable conventional loans for buyers with solid credit. No upfront mortgage insurance premium, and private MI can be removed once you reach 20% equity.

    Learn more

  • FHA

    Flexible credit

    Government-backed financing with more flexible credit standards and a lower minimum down payment. A strong fit for first-time Texas buyers building toward ownership.

    Learn more

  • VA

    Zero down, no MI

    Zero-down loans for veterans, active-duty service members, and eligible surviving spouses, with no monthly mortgage insurance. One of the most powerful benefits available to those who have served.

    Learn more

  • USDA

    100% financing

    Zero-down financing for eligible homes in rural and small-town Texas, from the Hill Country to the outskirts of the major metros. Income and property limits apply.

    Learn more

  • Jumbo

    Above conforming limits

    Financing above conforming loan limits for higher-priced Texas homes. Competitive terms on larger loan amounts for buyers with strong credit and reserves.

    Learn more
Texas markets

We lend across Texas, with deep local knowledge

From Dallas-Fort Worth and Houston to San Antonio, Austin, New Braunfels, and Boerne. Each market has its own tax profile, insurance landscape, and neighborhood dynamics. We know the details that affect your payment.

See all Texas markets
  • Dallas–Fort Worth
  • Houston
  • San Antonio
  • Austin
  • New Braunfels
  • Boerne
Run the numbers

See what your Texas mortgage payment could look like

Our Texas mortgage calculator builds property tax and homeowners insurance into the monthly estimate so you get a realistic picture of what you will actually owe each month, not just the principal and interest.

Open the calculatorStart pre-approval
Get started

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.

Get pre-approved(210) 815-4959