Best Mortgage Lenders in TEXAS

Texas Home Loans

Lowest Mortgage Rates and Specialized Home Loan Options:

If you are looking to buy a home in Texas, American Home Lending USA, LLC can help you find the right mortgage for your budget and needs. We will work with you to understand your financial situation and find a loan that you can afford. We will also help you through the entire home buying process, from pre-qualification to closing.

If you are a homeowner in Texas or the St. Louis area and you are looking to refinance your mortgage or buy a home, American Home Lending USA, LLC can help you save money on your monthly payments. We will compare rates from multiple lenders to find the best deal for you. We will also help you through the entire refinancing process, from application to closing.

Our Products

  • $0 Down FHA Loan:
    • Benefit from a government-insured loan with a low-down payment requirement.
    • Ideal for first-time homebuyers and those with limited funds for a down payment.
  • 1% Down Conventional Loan:
    • Enjoy a low-down payment option for conventional financing.
    • Suitable for borrowers with good credit and stable income.
  • No Income Community Mortgage:
    • Designed for self-employed individuals and those with non-traditional income sources.
    • Get flexible mortgage options without the need to verify income.
  • New Construction and Land Financing (One-Time-Close):
    • Financing solutions for new home construction or purchasing land.
    • Simplify the process with a one-time-close loan.
  • 3-2-1 and 2-1 and 1-0 Mortgage Rate Buydowns:
    • Customize your mortgage rate and payment schedule for the initial years of your loan term.
    • Achieve lower interest rates and save on monthly mortgage payments.
  • Order Your Own Credit Report:
    • Take control of your mortgage application by ordering your own credit report.
    • Understand your creditworthiness and address any issues before applying for a loan.
  • First-Time Homebuyer Programs:
    • Special programs and incentives designed to help first-time buyers.
    • Access low down payment options and reduced interest rates.
  • Down Payment Assistance (DPA):
    • Explore various down payment assistance programs available in Texas including country grant programs.
    • Our exclusive no income-limit down payment assistance is also available for Texas homebuyers
    • Access additional funds to make homeownership more affordable.
  • Mortgage Rate Lock and Shop Up to 1 Year:
    • Secure your desired interest rate while you shop for a home.
    • Avoid potential rate increases and enjoy peace of mind.
  • VA Home Loans:
    • Exclusive mortgage options for eligible veterans, active-duty service members, and surviving spouses.
    • Benefit from competitive rates, no down payment, and flexible qualification criteria.
  • Conventional, $0 Down USDA Loan, HARP, Bank Statement Mortgage:
    • More mortgage solutions tailored to your unique needs.
  • Stand-Alone Home Equity Loans (HELOC) or Cash Out Refinance:
    • Leverage your home's equity for various financial needs.
    • Access funds for home improvements, debt consolidation, and more without resetting your existing low mortgage rate.
  • Fix and Flip Builder Financing, Commercial/Investor Financing:
    • Mortgage options for real estate investors and builders.
    • Finance property flips, commercial projects, and investment properties.
  • Reverse Mortgages (HECM), Non-QM Loans, VA IRRRL and FHA No Appraisal Refinance:
    • Specialized mortgage products for seniors, unconventional borrowers, and streamlined refinancing.
  • VA IRRRL Streamline Refinance, FHA 203K Purchase/Refinance (Home Improvement):
    • Simplify your refinance process with streamlined programs.
    • Access funds for home renovations and improvements.
  • FHA 203(h) Disaster Relief Loan:
    • Assisting homeowners affected by natural disasters.
    • Rebuild and recover with a specialized mortgage program.
  • Jumbo Loans, Adjustable-Rate Mortgage (ARM), $100 Down Payment FHA Program:
    • Additional mortgage options to suit your unique financial requirements.

How to Get a Mortgage in Texas

To get a mortgage in Texas, you will need to provide the following information:

We will use this information to determine your eligibility for a mortgage.

Benefits of Buying a Home in Texas

There are many benefits to buying a home in Texas. These include:

  • Affordability: Compared to many other states, Texas offers relatively affordable housing options. The cost of living in Texas is generally lower than the national average, making homeownership more accessible for individuals and families.

  • No State Income Tax: One of the biggest advantages of living in Texas is the absence of state income tax. This means more money in your pocket to allocate towards mortgage payments, savings, or other expenses.

  • Strong Real Estate Market: Texas has a robust real estate market characterized by steady growth and stability. Property values in many cities and regions of Texas have shown consistent appreciation over time, making homeownership a potential investment opportunity.

  • Variety of Housing Options: Texas offers a diverse range of housing options to suit different preferences and budgets. Whether you're looking for a modern urban condominium, a suburban single-family home, or a spacious rural property, Texas has it all.

  • Thriving Job Market: Texas is known for its thriving job market, with several cities experiencing strong economic growth across various industries. Employers moving to Texas include Tesla (TSLA), Oracle (ORCL), Hewlett Packard Enterprise (HPQ), Charles Schwab (SCHW). Employment opportunities, combined with a lower cost of living, make it an attractive destination for individuals and families seeking career advancement and stability.

  • Strong Sense of Community: Texans are renowned for their friendly and welcoming nature. The state's strong sense of community and pride fosters a supportive environment, making it easier to integrate into new neighborhoods and build meaningful connections.

  • Rich Cultural Heritage: Texas boasts a rich cultural heritage influenced by diverse traditions, including Mexican, Western, and Southern cultures. Residents have the opportunity to explore unique festivals, cuisine, music, and arts, adding vibrancy and flavor to everyday life.

  • Outdoor Recreation Opportunities: Texas is known for its vast natural landscapes, offering ample opportunities for outdoor enthusiasts. From stunning national parks and scenic hiking trails to picturesque lakes and coastal areas, Texas provides an abundance of recreational activities for homeowners to enjoy.

  • Top-Ranked Education Institutions: Texas is home to several prestigious educational institutions, including renowned universities and colleges. Families with children can take advantage of quality educational opportunities and a strong emphasis on academic excellence.

  • Unique Texan Lifestyle: Embrace the Texan lifestyle with its distinctive traditions, such as rodeos, barbecue gatherings, country music, and sports enthusiasm. Enjoy a blend of modern amenities and a laid-back atmosphere that captures the true essence of Texas living.

If you are thinking about buying a home in Texas, contact American Home Lending USA, LLC today. We would be happy to help you find the right mortgage for your needs.

Mortgage lender serving all locations in Texas

American Home Lending USA, LLC is proud to serve homebuyers and homeowners across the entire state of Texas, including:

  • Houston
  • San Antonio
  • Dallas
  • Austin
  • Fort Worth
  • El Paso
  • Denton
  • Irving
  • Arlington
  • Corpus Christi
  • Plano
  • Laredo

About American Home Lending USA, LLC

Since 2008, American Home Lending USA, LLC has been a leading mortgage lender, dedicated to helping homebuyers and homeowners in Texas achieve their goals. With an A+ rating from the Better Business Bureau, we have earned the trust of our clients and industry professionals alike. Our success is built on a foundation of unparalleled service and providing the best mortgage options tailored to individual needs.

Contact Us

Experience the difference of American Home Lending USA, LLC. Contact our knowledgeable team today to explore our mortgage solutions, secure the lowest rates, and receive personalized assistance throughout your home financing journey. Trust us to be your reliable partner in achieving your homeownership or refinancing goals in Texas.

Welcome to American Home Lending USA, LLC, the trusted mortgage lender serving Texas residents. Whether you're buying a home or planning to refinance in Texas, we are here to assist you every step of the way. With specialized home loan options, the lowest mortgage rates, and a commitment to personalized service, we strive to make your home financing experience smooth and stress-free.

Dallas, Texas Branch Office

Providing mortgage loans to the Dallas area and entire State of Texas since 2017. Purchase or refinance, we are offer a variety of home loan products at low wholesale rates for every imaginable type of scenario for all credit grades.

Email Address
Main Phone (800) 965-0125
Fax Number (800) 771-6925
Address 325 N. St Paul Street
Suite 3100
Dallas, TX, 75201
23544 6091 Dallas Branch

Our team at American Home Lending USA, LLC is fast, friendly, experienced and here to help you every step of the process!