From USDA loan rural zero-down to VA loanbenefits, Texas DPA grants, construction financing, and specialty programs — STX Lending has programs most banks don't even offer.
Where do you want to start?
If you try to buy your first home or upgrade and even unlock equity, we will have programs built for your family's situation. Compare payments with our mortgage calculator or see how much you can borrow with the home affordability calculator.
First-time home buyers, second-time home buyers, and even investors will find the perfect purchase program that fits your loan criteria, credit, and long-term goals.
Explore Purchase ProgramsLower your interest rate, take cash out and consolidate debt. Refinance options are open for all Texas homeowners.
Explore Refi ProgramsNo pressure at all. Speak to a loan officer that can take you through your options and give you exactly what you qualify for, just with a soft credit pull.
Talk to an AdvisorAvailable for Purchase & Refinance
These programs work whether you're buying a home or exploring refinance options. The conventional loan and FHA loan are the most popular paths, but click any to see full guidelines, rates, and qualification criteria.
Normal national conforming limits. The best rates for borrowers with a 700 or higher credit score and 3% down available for first-time home buyers.
3% down · No PMI at 20% Flexible CreditGovernment-backed with 3.5% down payment. Accepts 3.5% down payment for a 580+ credit and higher debt-to-income ratios allowed.
3.5% down · 580 credit OK Veterans OnlyNo down payment for military veterans, active duty professionals, and even surviving spouses. No PMI ever on this loan.
$0 down · No PMI · No limit Rural TexasNo money down for rural and suburban Texas areas for USDA. Income limits do in fact apply.
$0 down · Rural TX areas High BalanceLoan amounts above 832,750 in Texas. These require strong credit profiles and large reserves.
$832K+ · Luxury properties ARM StrategyTake advantage of lower interest rates for homeowners that are not going to stay in a property long term or plan to refi.
5/7/10-yr fixed intro rateAlternative Lending
For Buyers
For Homeowners
Let's get you pre-approved in a few minutes on a soft credit check. Walk through our mortgage process or talk to a loan officer — there are never any broker fees.