Home Loans in Texas

Texas housing market

Texas offers homebuyers a unique combination of affordability and economic opportunity. With no state income tax, buyers keep more of their income for mortgage payments and building equity. From Austin's booming tech corridor to Houston's energy sector and Dallas-Fort Worth's corporate headquarters, the state's diverse economy supports strong housing demand across metro areas of every size.

The Texas State Affordable Housing Corporation (TSAHC) provides down payment assistance and competitive interest rates through programs like My First Texas Home and My Choice Texas Home. These programs, combined with the state's relatively low cost of living, make Texas one of the most accessible states for first-time buyers and families looking to move up.

Whether you are looking at a starter home in San Antonio, a suburban family home in Plano, or a ranch property in the Hill Country, Chestnut's AI-powered platform compares options from 100+ lenders to find your best rate in under 2 minutes.

Texas home mortgages

Chestnut offers a complete range of home mortgages for Texas homebuyers tailored to their needs.

Texas home purchase loans

Buying in Texas? Get an underwritten pre-approval and a competitive rate with a process that closes in 2-3 weeks.

Purchase loans

Texas home refinance loans

Lower your rate, shorten your term, or both. Most refinances close in 2-3 weeks — not the 30-45 days you would wait elsewhere.

Refinance loans

Texas cash-out refinance loans

Use your home equity to fund renovations, pay off high-interest debt, or cover a major expense. One new loan replaces your existing mortgage and puts cash in your hands.

Cash-out refinancing

Texas home equity line of credit

Draw from your home equity as needed, and only pay interest on what you use. A HELOC gives you a credit line you can access anytime — no new mortgage required.

HELOC loans

FAQ about mortgages in Texas