Loan Options

Compare Texas mortgage options

Review common purchase, refinance, cash-out, and equity paths before requesting personalized next steps.

Loan option

Conventional Loans

Compare down payment, PMI, property use, and fixed-rate scenarios for qualified Texas borrowers.

  • Fixed-rate purchase and refinance paths
  • Down payment and PMI planning
  • Program availability and underwriting apply

Loan option

Texas FHA Loans

Estimate FHA payment scenarios, upfront MIP, monthly MIP, and eligibility next steps.

  • Lower down payment options may be available
  • MIP assumptions should be reviewed
  • Useful for first-time and repeat buyers

Loan option

USDA Home Loans

Review USDA property-location, income, guarantee fee, and annual fee assumptions.

  • Eligible property location required
  • Income limits and guidelines apply
  • Rural and suburban scenarios need review

Loan option

Texas VA Loans

Estimate VA payment scenarios, funding fee assumptions, and eligibility reminders.

  • Eligible military borrowers and surviving spouses
  • Funding fee or exemption review
  • Occupancy and entitlement guidelines apply

Loan option

Texas Refinance

Compare payment changes, break-even timing, and refinance cost assumptions.

  • Rate-and-term scenarios
  • Monthly savings and break-even review
  • Actual terms require application and underwriting

Loan option

Cash-Out Refinance

Estimate available equity, desired cash-out, LTV, and Texas home equity review needs.

  • Texas home equity rules may apply
  • Equity and LTV assumptions need review
  • Manual scenario review recommended

Loan option

Texas HELOC

Review available equity, draw amount, interest-only, and repayment assumptions.

  • Available equity estimate
  • Draw and repayment assumptions
  • Program terms vary by lender

Loan option

First-Time Home Buyer

Plan affordability, payment, down payment, and offer-readiness next steps.

  • Affordability and payment planning
  • FHA, USDA, VA, and conventional comparison
  • Personalized next steps after review

Rates

Review Texas mortgage pricing with the right assumptions.

Published examples, when enabled, should include rate, APR, points or credits, lock period, occupancy, LTV, FICO, loan amount, payment assumptions, and a last-updated timestamp.

Rate display module

If current published examples are unavailable or stale, ask for current Texas mortgage pricing instead.

Calculators

Estimate payments before you apply.

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Mortgage Payment

Open the Mortgage Payment calculator.

Affordability

Open the Affordability calculator.

Refinance

Open the Refinance calculator.

Heloc

Open the Heloc calculator.

Fha

Open the Fha calculator.

Usda

Open the Usda calculator.

Next Step

Answer a few questions. Get a clearer mortgage path.

Start with a simple prequalification request, then continue to the full LendingDox application when you are ready.

Locations

Mortgage help across Texas

DFW

Dallas, Fort Worth, Arlington, Plano, Frisco, and surrounding North Texas communities.

Austin Area

Austin, Round Rock, Georgetown, Cedar Park, Leander, Kyle, and nearby markets.

Houston Area

Houston, Katy, Cypress, The Woodlands, Sugar Land, Pearland, and nearby cities.

Ready to estimate your payment or start your mortgage path?

Texas Zoom Mortgage is a DBA of Z&S of Texas, LLC. Broker NMLS #2426926. Prequalification requests are subject to credit approval, program availability, underwriting guidelines, and acceptable property review. Not a commitment to lend.

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