Most lenders sell you a rate and stop there. We back ours with five written guarantees: a no-lender-fee refi if rates drop in your first year, a 21-day close (with $1,000 on us if we miss it), a price match on competing Loan Estimates, an underwritten approval that competes with cash offers, and closing credits for the realtor who brought you in.
Click any guarantee to see the terms and how it stacks with the others.
Lock today's rate without losing sleep over what happens next. If rates fall at least 0.25% in your first 12 months, we refinance you with zero lender origination fees.
See how it worksBring us a competing Loan Estimate. We'll beat it on total lending cost. If we genuinely can't, we'll tell you straight instead of wasting your time.
See the rulesWe close Texas loans in 21 days. If we miss that on our end, you get a $1,000 credit toward your closing costs. Simple.
See the timelineGet fully underwritten before you even start shopping. Sellers see your offer the way they'd see a cash bid: fast, certain, no financing contingency to worry about.
See how it stacks upSend your client our way and they walk away with up to $1,500 toward closing costs, a 21-day close commitment, and a loan officer who actually picks up the phone.
Partner programBuying a house has a handful of moments where things go sideways. Each of the five perks covers one of them.
Before you write an offer, the Cash Offer Advantage puts you on the same footing as cash buyers. We underwrite you up front so the seller is looking at a clean approval, not a financing contingency.
Once you're under contract, two things actually matter: what it costs and how fast it closes. The Price Match Guarantee handles cost. Show us a competing Loan Estimate at lock and we'll beat it on total lending cost. The Fast Closing Guarantee handles speed. We commit to 21 days in writing, and if we miss on our side, you get $1,000.
After you close, rates can move on you. The Rate Drop Guarantee gives you 12 months of cover. If rates fall 0.25% or more, we refinance you with no lender origination fees.
Realtor Creditsis the one perk that runs past a single transaction. Your agent gets co-branded marketing support and a partner who closes when they say they will. Your client gets up to $1,500 toward closing costs at settlement. There's no offsetting fee buried somewhere else in the deal.
We can do all of this because we're a Texas-direct lender with salaried (not commissioned) loan officers and one underwriting team in-house. No broker margin to pay, no national call-center queue to sit in. See how the STX model works if you want the full picture.
Want to run the math? Pop your numbers into the mortgage calculator. If you'd rather see live pricing first, check today's rates. When you're ready, start a pre-approval.
Talk to a Texas loan officer at STX Lending. No broker markups, salaried advisors, every perk in writing at closing.