Mortgage pre-approval in Texas.

Closing commonly handled by

title company

State housing agency

Texas Department of Housing and Community Affairs (TDHCA)

Stellar agency approval

Not a participating lender

2026 conforming limit

$832,750 in every county

2026 FHA limit

$541,287 to $813,050, by county

Our license

Mortgage Company License

Company NMLS

#2190975

Your officer

Steve Umansky, NMLS #61764

What we offer in Texas

Purchase and refinance loans for primary residences, second homes and investment properties. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, including bank statement and DSCR loans. Full list: all loan programs.

How closings work in Texas

Texas closings are commonly handled by a title company. Texas has no state income tax, and property taxes are correspondingly high: besides the county, city and school district, many newer neighborhoods sit in a utility or improvement district with its own tax, so we build the payment from every taxing unit on the property.

Transfer and recording taxes. Texas has no real estate transfer tax. The state constitution bars any tax on a transaction that conveys title to real property. County clerks charge recording fees, which vary by county. Source: Texas Constitution, art. VIII, § 29. Property taxes are set locally; we take the figure from the tax record for the address.

Loan limits in Texas

For 2026 the conforming loan limit for a one-unit home is $832,750 in every county. Loans above the county limit are jumbo. FHA limits are set separately by HUD for each county. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

First-time buyer programs in Texas

The Texas Department of Housing and Community Affairs (TDHCA) runs Texas’s homebuyer programs, which can include a first mortgage and help with the down payment and closing costs for buyers who meet its income and purchase price limits. This is general information: Stellar Mortgage is not a participating lender for these programs. We offer conventional loans with low down payment options, FHA loans with a low down payment, VA and USDA loans with little or no money down for eligible buyers and properties, and jumbo, renovation and non-QM financing, and we will tell you when an agency program looks like the better fit. Official source: Texas Department of Housing and Community Affairs (TDHCA). See also our first-time buyer guide.

USDA eligibility is decided address by address: check the property on the USDA eligibility map. VA: no VA minimum credit score; lender overlays apply.

Questions Texas buyers ask

Texas notice. Texas residents: see the Texas complaint notice required by the Department of Savings and Mortgage Lending.

Loan limits, tax rates and agency programs are set by third parties and change. Confirm current figures before relying on them. Not a commitment to lend.