Use our free home affordability calculator to see exactly how much house you can afford in 2026 based on your gross income, monthly debts, down payment, and current Texas mortgage rates. We translate your debt-to-income ratio and budget into a clear maximum purchase price plus an estimated monthly mortgage payment, so you can shop with confidence. Once you have a number, run our monthly payment calculator, refine your DTI, or compare with the rent vs buy calculator.
Car payments, student loans, cards
Compare our most popular loan options and find the perfect fit for your financial goals. New buyers should also explore first-time home buyer programs and down payment assistance.
Best for good credit
Great for first-time buyers
For veterans & military
For higher-priced homes
We're licensed in 48 states and ready to help you find the perfect loan for your unique situation. Read our mortgage pre-approval guide or check the minimum down payment on a conventional loan.
Apply, upload documents, and track your loan from your phone or computer anytime. Need to plan upfront cash? Use our closing-costs calculator.
Complete transparency from the start. We hate surprises just as much as you do.
Your specific Home Loan Expert is with you from start to closing day.
We close loans in 21 days on average, getting you into your home sooner.