Texas is home to one of the largest military and veteran populations in the country, alongside a fast-growing base of first-time buyers. As a broker licensed in Texas (NMLS 2804916, through Evolution Mortgage, NMLS 2432729), I help Texans structure the right loan and understand exactly what they are signing.
Why a broker, and why me
A broker is not a single lender. I shop your scenario across multiple lenders to find the rate and structure that fit you, rather than selling the one product a single bank offers. I spent a decade as an Air Force officer, much of it in work where a missed detail was never acceptable, and I bring that same discipline to getting a file handled correctly. A rate quote is not a strategy.
VA loans and Texas military communities
With major installations and a deep veteran population across the state, VA loans are central to what I do here. If you are active duty, a veteran, in the Guard or Reserve, or a surviving spouse, a VA loan often means zero down and no monthly mortgage insurance. PCSing into or out of Texas adds timeline pressure, and I build the file backward from your report date so the loan is not the thing holding up your move. The full details live on the VA loans page.
What Texas buyers should keep in mind
- Property taxes. Texas has no state income tax, but property taxes tend to run higher than the national average, and they live inside your monthly payment. A realistic payment estimate matters even more here, which is why I quote PITI, not just principal and interest.
- Homestead protections. Texas has its own homestead rules that affect certain loan structures, including how cash-out refinances work. I account for these when we plan.
- Insurance. Parts of the state carry higher homeowner's insurance costs. We factor your real insurance quote into affordability rather than guessing.
I work with buyers across Texas, from the major metros to smaller communities. The process is the same wherever you are: a real conversation, a documented pre-approval, and a person you can call the whole way through.
Loan options for Texas buyers
Beyond VA, Texans use the same core programs as the rest of the country: conventional loans with as little as 3 percent down, FHA for buyers building credit, and jumbo financing above the 2026 conforming limit of $832,750. The loan programs page compares them side by side, and the affordability page shows how to turn your income into a comfortable payment.
Getting started
Whether you are a first-time buyer, a veteran using your benefit, or refinancing a home you already own, the first step is a no-pressure conversation. Start your pre-approval online or call and we will walk through your numbers together.
Educational information only, not a commitment to lend, an offer to extend credit, or financial advice. As a broker, Evolution Mortgage arranges loans through third-party lenders and does not lend directly. Loan approval is subject to lender credit, income, and property review, and not all applicants qualify. All figures reflect 2026 information believed accurate at the time of writing and are subject to change. VA loan eligibility is determined by the Department of Veterans Affairs. Not affiliated with or endorsed by the VA, FHA, HUD, or any government agency.