Licensed in Texas NMLS #299683

Texas Mortgage Rates & Home Loans — DFW, Houston, Austin & San Antonio

Texas has its own rules — literally. From the state's unique cash-out refinance law to property taxes that reshape your payment math, Texas borrowers get real rates published every morning and a loan officer who explains the Texas-specific parts in plain English.

Today's Texas Mortgage Rates

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Real pricing published every morning on the rates page — the same transparent rates statewide.

Why Texas buyers work with Travis

Texas cash-out fluency — the 50(a)(6) rules make Texas refis unlike any other state's
Property-tax-honest math — Texas taxes run high; your payment estimate should say so upfront
VA-strong — Texas has one of America's largest veteran populations, and $0-down VA loans are a specialty
Transparent pricing — daily-published rates, no quote-form games

Buying or refinancing in Texas right now

The Texas quirk everyone discovers late: cash-out refinances are governed by the state constitution (Section 50(a)(6)). In broad strokes, cash-out borrowing is capped at 80% of your home's value, there's a mandatory waiting period between such loans, and once a loan is a "Texas cash-out" it generally stays in that category when refinanced. None of this kills a deal — it just needs to be structured right the first time.

No state income tax helps qualification math, but Texas property taxes are among the nation's highest and belong in every payment estimate from the first conversation. That's why the calculator on the homepage makes taxes an explicit input instead of a footnote.

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Every program, available in Texas

Conventional, FHA, VA, bank statement loans for the self-employed, DSCR loans for investors, and refinancing — all with the same daily-published rates and one loan officer from start to close.

Texas mortgage questions, answered straight

What are mortgage rates in Texas today?

Take The Rate publishes its actual Texas mortgage rates every morning — 30-year, 15-year, FHA, VA, bank statement, and DSCR — on its live rate sheet at taketherate.com/shop-rates.html. Real pricing, not advertising teasers.

What makes a Texas cash-out refinance different?

Texas Section 50(a)(6) caps cash-out loans at 80% of home value, imposes a waiting period between cash-out loans, and applies special closing rules. Structured correctly upfront, it closes like any other refi.

Do high Texas property taxes change what I qualify for?

Yes — taxes are part of your qualifying payment, and in many Texas counties they rival the principal-and-interest itself on cheaper homes. Real tax numbers belong in the math from day one.

Is Travis licensed in Texas?

Yes — NMLS #299683, verifiable at NMLS Consumer Access.

Travis Saling

Licensed Loan Officer · NMLS 299683 · 15+ years

I'm licensed in Texas and eight other states, and I answer my own phone. Tell me what you're working on and I'll give you a straight answer — even if that answer is "you don't need me for this one."

Disclaimer: This page is for informational purposes only and is not a commitment to lend or a guarantee of any specific rate, term, or approval. Rates change daily; program guidelines vary by lender and change without notice. All loans subject to credit approval, satisfactory appraisal, and clear title. Verify licensing at NMLS Consumer Access (#299683). Take The Rate · Equal Housing Lender.