Get lower monthly payments and a fixed interest rate when you buy or refinance with a rate-and-term refi on your Texas home with STX Lending.
See if it's right for me
As low as 3% down for first-time buyers, leaving more cash in your pocket for renovations or furnishings.
Avoid private mortgage insurance upfront with the minimum down payment on a conventional loan, or cancel PMI once you reach 20% home equity.
Borrow up to the Texas conforming loan limits to secure your dream home without stepping into a jumbo loan.
Typically requires a minimum credit score of 620, but 740+ secures the absolute best interest rates.
Can be as low as 3%. Put down 20% or more to completely avoid monthly PMI.
Lenders like to see a DTI ratio of 43% or lower, though exceptions exist up to 50%.
Flexible 10, 15, 20, or the traditional 30-year fixed-rate mortgage terms available.
Find out exactly how much home you can afford and what it will cost. Then read our complete pre-approval guide before you start your application.
Find out how much your monthly payment will be based on today's interest rates, including estimated taxes and insurance.
Find out how much Texas home you can afford based on your current gross income, debts, and potential down payment.
Should you buy discount points to lower your rate? See break-even months and lifetime savings.
See how extra payments shave years off your loan and save tens of thousands in interest.
Split your monthly payment in half — paid every 2 weeks — and shave ~5 years off a 30-year loan.
Estimate your annual Texas property tax with homestead exemption math built in.
Here are answers to some of the most common questions about the conventional loan process. For background on rates, read our breakdown of why FHA APRs are higher.