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Mortgage Lender — Texas

Mortgages in Texas — Built Around How Texas Actually Buys

Texas leads the nation in population growth, with the Houston, Dallas-Fort Worth, Austin, and San Antonio metros each adding tens of thousands of new residents per year. Strong job markets in tech, energy, and healthcare keep buyer demand steady, and Texas has no state income tax.

  • Houston
  • San Antonio
  • Dallas
  • Austin
  • Fort Worth
Serving Texas
NMLS #1603937
5.0 ★ on Google
24-Hour Pre-Approval
$700M+ Funded
All Texas Loan Programs

Every Mortgage Program We Offer in Texas

From first-time buyer help to luxury jumbo financing — Lending Arena handles the full mortgage stack across Texas. Click any program to see Texas-specific guidance, eligibility, and pricing notes.

Texas Specifics

Texas Mortgage FAQ

Common Texas-specific questions we answer every week.

Texas Constitution Section 50(a)(6) — known as "A6" — governs home equity loans on Texas primary residences. It caps cash-out refinances at 80% combined LTV, requires a 12-day cooling-off period, mandates specific disclosure forms, and once a loan is taken as A6 it remains A6 on any future refinance until paid off. Lending Arena specializes in A6 transactions.
Yes. Texas has no state income tax, but property taxes are among the highest in the country (statewide average around 1.6-1.8% of home value). Plan for this in your monthly housing budget — we underwrite using actual county-assessed taxes, not estimates.

Ready to Get Started in Texas?

Talk to a Texas-focused loan officer today. Pre-approval in as little as 24 hours.

Lending Arena, NMLS #1603937. Licensed by the Texas Department of Savings and Mortgage Lending. Texas A6 home equity transactions are subject to the disclosures and protections of Texas Constitution Section 50(a)(6). Equal Housing Lender. This is not a commitment to lend. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.

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