Your trusted partner for high-value property financing in Texas. Expert guidance for jumbo mortgages, luxury homes, and premium investment opportunities.
Comprehensive financing and real estate solutions tailored for high-value properties.
Specialized financing for properties exceeding conforming loan limits. Competitive rates and flexible terms for high-value purchases.
Exclusive access to Texas's finest estates, waterfront homes, and premium properties in sought-after locations.
Data-driven market insights and ROI analysis for smart real estate investment decisions across Texas markets.
Comprehensive strategies for protecting your real estate investments and building long-term wealth.
Streamlined approval process with dedicated support. Close on your dream property in as little as 21 days.
White-glove service with dedicated specialists guiding you through every step of your transaction.
Explore premium properties across Texas's most desirable markets.
From application to closing, we make jumbo financing simple.
Quick pre-approval in minutes with our streamlined application.
We find the best loan program for your unique situation.
Secure competitive rates with flexible lock periods.
Move into your dream home with confidence.
Expert insights on the Texas luxury real estate market.
See how loan term affects your monthly payment, total interest, and long-term cost on a $350,000 home with 20% down ($280,000 loan).
| Feature | 30-Year Fixed | 15-Year Fixed | Difference |
|---|---|---|---|
| Typical Rate (2025) | ~6.85% | ~6.15% | Save 0.70% on rate |
| Monthly P&I Payment | $1,838 | $2,381 | +$543/month |
| Total Interest Paid | $381,727 | $148,545 | Save $233,182 |
| Total Loan Cost | $661,727 | $428,545 | Save $233,182 |
| Break-Even Point | — | ~430 months | Build equity faster |
| Best For | Lower monthly cash flow needs, first-time buyers | Higher-income buyers wanting to minimize total interest | — |
Texas offers exceptional programs and unique advantages for homebuyers.
The TSAHC Home Sweet Texas program provides down payment assistance (DPA) of up to 5% of the loan amount as a grant (no repayment required) or deferred forgivable second lien.
The My First Texas Home program by TDHCA offers 30-year fixed-rate mortgages at below-market interest rates plus down payment and closing cost assistance up to 5% of the loan amount.
Reduce your taxable home value by $100,000 on school district taxes. Age 65+ homeowners also get a school district tax freeze. Apply through your county appraisal district using Form 50-114.
| County | Avg. Rate |
|---|---|
| Travis (Austin) | ~1.97% |
| Harris (Houston) | ~2.13% |
| Bexar (San Antonio) | ~2.09% |
| Dallas | ~2.18% |
| Tarrant (Ft. Worth) | ~2.26% |
Texas homeowners keep 100% of their income from state tax. While property taxes are higher than many states, no income tax means more purchasing power toward your mortgage payment.
Texas property taxes are deductible on federal returns (up to $10,000 SALT cap).
Common questions from Texas homebuyers.
Expert guidance on mortgages, buying in Texas, and managing your home investment.
Meet with a jumbo loan specialist to discuss financing for your luxury Texas property. Confidential, no-obligation consultation.
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Updated: February 18, 2026Experience San Antonio like a local by exploring beyond the River Walk tourist zone. Visit the Pearl Farmers Market on Saturday mornings, catch a Spurs game at the Frost Bank Center, and explore the diverse neighborhoods that give the city its character - Southtown for art, King William for architecture, and the West Side for authentic Tex-Mex.
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