First-Time Home Buyer Loans in Texas: Why FHA Financing Remains a Top Choice
Buying your first home in Texas can feel overwhelming, especially when it comes to saving for a down payment and meeting mortgage qualification requirements. Fortunately, FHA loans continue to be one of the most popular financing options for first-time homebuyers thanks to low down payment requirements, flexible credit guidelines, and competitive interest rates. In this guide, you’ll learn how FHA loans work, current FHA loan requirements, credit score qualifications, and why FHA financing remains a top choice for Texas homebuyers in 2026.
How to Qualify for FHA Loans in Texas
Learn how to qualify for FHA loans in Texas, including credit score, down payment, and income requirements. A step-by-step guide for first-time home buyers.
2024 Texas FHA Loan Limits
There is a limit to how much a homeowner can borrow with an FHA loan, a type of mortgage guaranteed by the Federal Housing Administration. FHA Loan limits in Texas are based on a percentage of the median home price in each county if you want to buy a home with a FHA Loan. Government […]
Do Online Texas Mortgage Loans Need a 20% Down Payment?
Purchasing a home in Texas is not an impulse buy. From appraisals and inspections to closing costs and down payments, it can take years to save the upfront cash required. However, thanks to low-down-payment loans now on the market, homeowners can have keys in hand to that home for sale with significantly less cash out […]
Texas Home Mortgage Loans
You can find quite a few types of home loans in Texas. Understanding what’s available can help you review your options to get an idea of what options might work best for you and your family. Of course, Lone Star Financing is happy to help you find the right home loan! In the meantime, why not review your home loan options?
How Home Loans Work in Texas
If you’ve thought about buying a house in the Lone Star State, you’re not alone. It’s a great place to live! You might wonder how to get a mortgage in Texas, so we’ve put together a list of what you should know about Texas home loans. TDHCA (Texas Department of Housing and Community Affairs) Texas […]
How FHA Loans Work
FHA loans are a great option for first time home buyers — if this is your first home purchase, a Texas FHA home loan is probably your best option with its low down payment and easier credit standards. Your down payment can be as low as 3.5% of the purchase price and closing costs and […]
Choose the Right Mortgage for a Home Renovation
Move-in ready or needing renovation? Small renovations or down to the studs redo? These are big questions when you’re house shopping and need a mortgage for a home renovation. Most people are familiar with the general mortgage process: Find a house, apply for a loan, put some money down, get an appraisal, go through closing, […]
Advice for Solo Homebuyers
According to an analysis of first-time homebuyers released by Zillow in 2015, “First-time homebuyers are older and less likely to be married than they were in the past.”
This shouldn’t come as a big surprise, since we’ve seen that Millennials—even those who are making this purchase with a partner—are opting to save for a home in lieu of…
New Bill Could Expand Availability to Those With FHA Mortgage Loans
President of the National Association of Realtors, Chris Polychron, testified on Capitol Hill last week to voice his support for the House of Representatives bill called the “Housing Opportunities Through Modernization Act of 2015.” This bill, if passed, will relax some of the Federal Housing Administration’s policies concerning condominiums. Specifically, the requirements for condominium developments […]