No Money Down FHA Loan in Texas: Cash Back at Closing

Can you buy a home in Texas with no money down using FHA? Eligible buyers may use down payment assistance to cover FHA’s required down payment. Allowable ...

Best Texas Cash Out Refinance Options for Debt

If you're a Texas homeowner making minimum payments on credit cards and watching the balances barely move, you're not alone. High-interest cards, multiple due ...

Houston Home Affordability: Look Beyond the Sales Price

The Real Math of Housing · Part 3 of 7 · A Texas United Mortgage Educational Series

The Complete Guide to VA Refinance Loans in Texas (2026)

Texas veterans and active-duty service members have access to powerful VA refinance loans that can lower monthly payments, stabilize interest rates, or adjust ...

Higher Mortgage Rates Don’t Automatically Lower Houston Home Prices

The Real Math of Housing · Part 2 of 7 · A Texas United Mortgage Educational Series

Why Houston Mortgage Rates Can Rise While Inflation Is Cooling

The Real Math of Housing · Part 1 of 7 · A Texas United Mortgage Educational Series

Free Texas MUD Tax Calculator for Fast Estimates

A MUD (Municipal Utility District) tax is a special property tax levied on private and commercial property owners within the district’s boundaries.

Temporary vs. Permanent Rate Buydowns: Which Saves You More?

Every week I talk to buyers who've heard the word "buydown" thrown around by a realtor, a builder, or a Facebook ad — and almost none of them have had it ...

Standard Exceptions to Title Insurance Coverage in Texas

In Texas, standard exceptions to title insurance coverage include restrictive covenants, survey and boundary issues, and homestead, community property, and ...

Free Texas Homestead Exemption Calculator

Complete Guide to Filing a Homestead Exemption in Tarrant County Texas

To file for a general residence homestead exemption, complete the Residence Homestead Exemption Application form online and provide the necessary documents to ...

Your Financing Guide for Manufactured Home Loans in Texas

If you’re buying a manufactured home in Texas, FHA and conventional loans offer financing for both the home and land through a single mortgage. However, the ...

Mid August Rate News In Houston, TX

Updated August 21, 2026 with Freddie Mac's August 20 survey and HAR's July market report. Houston's 30-year fixed sits at 6.65%. A year ago it was 6.58%. Seven ...

Comparison of FHA Loan Pros and Cons for Texas Homebuyers

FHA loans offer flexible requirements, low down payment options, and competitive interest rates, making homeownership more accessible for first-time buyers and ...

How Property Taxes Affect Your Mortgage Payment in Texas

Property taxes can raise or lower your total monthly mortgage payment if the local tax rate or your home’s assessed value changes, even if you have a ...

FHA Streamline Refinance Requirements in Texas

An FHA streamline refinance is simpler than a traditional refinance, making the process faster and easier for eligible borrowers.

How to Remove FHA Mortgage Insurance in Texas

To remove FHA mortgage insurance in Texas, a common route is to build enough equity and refinance into a conventional loan if you meet the requirements. ...

VA Loan Closing Costs in Texas and Who Pays Them

Who pays for VA loan closing costs in Texas? The quick answer: You, as the VA borrower, are responsible for the VA funding fee unless you’re exempt. Many other ...

How Veterans Can Use a VA Loan to Buy Land in Texas

You can use a VA loan to buy land in Texas, but only if the land already comes with a home or you have approved plans to build one. Land-only purchases are not ...

How Much Is the Down Payment for a House in Texas?

In Texas, some mortgage programs require as little as 3% to 3.5% down payment. Some government-backed mortgages offer zero-down options for eligible borrowers.

VA IRRRL Vs Cash Out Refinance in Texas

Backed by the Department of Veterans Affairs (VA), a VA Interest Rate Reduction Refinance Loan (IRRRL) lets you refinance your current VA loan into a new ...

Can You Use One Spouse's Credit and the Other's Income in Texas?

Mortgage lenders don’t allow couples to mix and match credit and income on a loan application.

How Much Is Homeowners Insurance in Texas?

As of October 2025, Texas homeowners pay an average annual home insurance premium of $4,101 for a policy with $300,000 in dwelling coverage. Home insurance ...

Profit and Loss Statement for a Loan: Example + Free Template

A profit and loss statement (P&L), also called an income statement, summarizes your business income and expenses for a set period, often monthly, ...

DSCR Loan Texas Pros and Cons for Real Estate Investors

Debt Service Coverage Ratio (DSCR) loans skip personal income verification, allow financing of multiple properties, and close faster than traditional ...

Prevent Frozen Pipes: Essential Tips to Safeguard Your Plumbing

Learn how to protect your home from frozen pipes and avoid costly plumbing repairs during the winter season.

Mortgage Rates Take a Big Dip

If you're considering buying a home in Texas, you'll want to pay attention to recent developments in the mortgage market. Earlier this month, the jobs report ...

Positive Signs as Austin's Housing Market Shifts Toward DFW

Finally, we've got some promising news to share when it comes to buying a new home in Texas! The Austin housing market is experiencing a shift that's making it ...

Are Home Prices Finally Dropping in Texas?

In a notable shift in the real estate market, home sales and median prices have declined across Austin and Central Texas. This downturn, which marks a ...

Housing Market Stuck as Mortgage Rates Rise: What's Ahead for Buyers?

The housing market in Texas is going through some tough times, and it's mainly because of the rising mortgage rates. If you're thinking about buying a home, ...

Mortgage Rates Are High - Is Buying Points Worth It?

With mortgage rates soaring, homebuyers and refinancers are increasingly considering a strategy known as "buying down points" to alleviate the financial burden ...

Househunting in Texas? Austin Might Be the Place for You!

If you’ve been househunting and following the news, you’ve probably heard that prices are up and inventory is down. But that doesn’t mean you can’t find a home ...

Slowing Inflation Means Lower Mortgage Rates

The news we’ve all been waiting for: Inflation is finally starting to slow! Yesterday’s report on inflation is bringing some much-needed relief to homebuyers ...

Types of Mortgage Loans in Texas: 2026 Home Buyer's Guide

There is no best mortgage. There is the loan that fits your credit, your down payment, how you earn your money and how long you plan to keep the house — and ...

How To Finance An Investment Property In Texas With No Money Down

Are you dreaming of owning an investment property in Texas but worried about coming up with a hefty down payment? Fear not, because there are options available ...

Why Mortgage Interest Rates Will Go Down In 2023 In Texas

Some people look at the housing market these days as all doom and gloom. But even if things seem rocky right now, inventory is tight, and eventually, income ...

25 Amazing Facts About Living In San Antonio

Did you know that San Antonio is the seventh-largest city in the United States? It's home to over 1.5 million people and boasts a rich culture and history. ...

How To Get A Homes For Heroes Loan In Texas

Are you a hero? Chances are, you might be surprised to find out that you are. The Homes for Heroes program is designed to help everyday heroes save money when ...

How Rising Property Taxes in Texas Impact Minorities First

As property tax bills surge in Texas, many families are finding themselves pushed out of their homes and neighborhoods. The brunt of this increased financial ...

How Veterans United Compares To Other Lenders For VA Loans In Texas

When shopping for a VA loan in Texas, Veterans United is often one of the first lenders people consider. But how does it compare to other mortgage lenders? ...

7 Tips For Choosing A Great Mortgage Lender For Home Buying In Houston

When you're buying a home, choosing the right mortgage lender is one of the most important decisions you'll make. Finding a company that has a good reputation ...

5 Things Texas First-Time Home Buyers Should Know

If you're a Texas resident who is ready to become a homeowner for the first time, there are a few things you should know before you get started. Being prepared ...

Should I Buy a House in Texas in 2022 If a Recession Is Here?

There's a lot of talk about whether or not we're headed for a recession. Some economists say that we are, while others say that it's unlikely. But what does ...

How To Apply For A VA Mortgage Loan In Texas

3 Expenses That Shock First-Time Home Buyers

When you're a first-time homebuyer, there are a lot of things to think about. From budgets to making a list of everything you want in a new home, it's hard to ...

4 Unexpected Costs When Buying a Home In Texas

When you're planning to buy a house, it's important to ask the big questions like “What credit score will a bank require for a mortgage or loan?” or “What is ...

How To Win When You're In A Bidding War For A Houston House

So you've found the house of your dreams in Houston, but other interested buyers are bidding against you. How can you make sure that you come out on top and ...

5 Common Home Contingencies When House Hunting

When buying a new home, it is not uncommon to deal with certain contingencies before completing the sale. You might be excited to find your dream home and get ...

How Your Credit Score Affects Mortgage Rates

Are you interested in taking advantage of a historically low-interest environment but not sure how your credit score affects the mortgage rate you will ...

How To Negotiate the Sale Price of a Home In Texas

Owning a home is exciting, especially when it’s your first home! However, to ensure that you are making a good investment and getting the best price possible, ...

How to Get a Mortgage Pre-approval in Texas

Qualifying for a home loan can be a daunting experience, even to borrowers and home buyers who have previously walked through the mortgage process. The good ...

The 6 Best Questions to Ask When Buying a Home

A home is the biggest purchase most people will make, so it's important to go into the situation prepared. There are many things a homebuyer needs to look for ...

What Homebuyers Need to Know About Home Warranties

When purchasing a home, it's important to understand what comes with it. Some buyers may not always think about a home warranty and the current status of ...

How Higher Limits on Conforming Loans for 2022 Could Help You

The new conforming loan limits for 2022 are coming, and they're going to be a big change. This is because the federal government has increased them from ...

New FHA Loan Limits for 2022

The Federal Housing Administration (FHA) just announced changes to their loan limits for 2022. The new FHA loan limits will be made available on January 1, ...

How to Make an Offer On a House (and Win!)

An important step in purchasing your first home is putting together an offer on a specific house. After you've toured several homes, planned your budget, and ...

What is a Mortgage? Understanding FHA Loans and More

It's easy for first-time homebuyers to get excited about the significant benefits of owning a home: getting to make the remodeling or impactful decorating ...

5 Important Things to Know About FHA Loans

The FHA loan is the most popular mortgage program in America, and for good reason. It's designed to help millions of people get into their dream homes by ...

An FHA Loan Is The Best Choice For First Time Buyers

As a first-time buyer, you may be feeling overwhelmed with the process. You have probably been researching your options and narrowing down what type of loan ...

FHA Loans: How They Compare to Conventional Loans

There are many different types of loans that borrowers can choose from. One option is an FHA loan, which comes with several advantages over the more ...

What is Escrow? Texas United Mortgage Group Shares Details

When you decide to buy a home, it's not surprising that you and the seller must place a lot of trust in each other. After all, the seller doesn't want you to ...

What are the Types of FHA Loans?

If you're looking to buy a home in the near future, then it's important that you know about FHA loans. The Federal Housing Administration (FHA) is a government ...

The Ultimate Guide to Getting an FHA Loan

If you’re in the market to buy your first home, you may not even realize how many mortgage options are out there. The FHA (Federal Housing Administration) ...

Home Inspections: What Texas Homebuyers Should Know

Many people believe home inspections are a waste of money and time, but they're actually essential steps in the buying process. The cost of a home inspection ...

Pre-Approved vs Pre-Qualified? What Homebuyers Need to Know

Many homebuyers can become frustrated when navigating being "pre-qualified" by their lender vs. "pre-approved." What does this mean, and what's the difference? ...

Who Pays Real Estate Agent Commissions for Houston Homebuyers?

Buying a new home is an exciting time. You are making the most significant investment of your life, and you want to make sure that you get everything right. ...

First-Time Homebuyers Programs: A Guide to Mortgages and More

Updated March 29, 2022. Buying a home is often the single most significant investment that people make in their lifetime. However, it can be intimidating to ...

What Credit Score Do I Need to Buy a Home in Texas?

Updated March 29, 2022 If you've been renting but have dreamed of buying a home, it can be easy to dismiss that goal if you ask questions like "can I get a ...

What Do Mortgage Companies in Houston Do?

Updated March 8, 2022 Perhaps you're most familiar with banks but have not gotten to know Texas United Mortgage, one of the best mortgage companies in Houston. ...

How to Buy a Home When You Have Bad Credit

Updated March 8, 2022 Have you checked your credit report lately? While no one enjoys having bad credit, there are several bad credit mortgage loans that may ...

What Does a Real Estate Agent Do?

Many home buyers are familiar with the concept of a real estate agent. They meet with them to find homes that they feel comfortable in and work closely with ...

Closing Costs Explained for Texas Home Buyers

Updated September 13, 2023 Unless you plan on buying a new house with cash, mortgage loans are a significant part of the home buying process. However, ...

4 Tips for First-Time Homebuyers (FHA Loans and More)

Updated February 7, 2022 Are you thinking about buying your first home? Congratulations! You might be wondering what to do to make your homeownership dream ...

How Much Should I Put Down on a Home in Texas? Down Payment Guide

Updated January 17, 2022 Buying a new home is not an easy decision. FHA loans and incentives available for first-time buyers make it easier, but there are ...

7 First-Time Homebuyer Mistakes to Avoid in Texas

Updated January 17, 2022 Many first-time homebuyers are excited to finally buy their dream house, but it can be a daunting process. If you're looking for your ...

Dallas FHA Loan Limits For 2021

What is a Dallas FHA Loan? If you’re looking to buy a home in Dallas, but aren’t able to qualify for a conventional loan, you may be able to purchase a ...

San Antonio FHA Loan Limits For 2021

What is an FHA Loan? Home of the Alamo, San Antonio offers colonial beauty and ample family-friendly attractions. If you want to buy a home in this large Texas ...

Houston FHA Loan Limits For 2021

What is a Houston FHA Loan? An FHA mortgage is a type of home loan that is backed by the Federal Housing Agency. First-time homebuyers in Houston can apply for ...

San Antonio FHA Down Payment Assistance Programs In 2021

Down Payment Assistance in San Antonio: An Overview Buying a home can be an exciting endeavor, but saving up for a down payment can hinder the process if ...

Dallas FHA Down Payment Assistance Programs In 2021

Need Help Buying a Home? Apply for Down Payment Assistance Saving up for a down payment can be a daunting, long process. Fortunately, there are plenty of down ...

Houston FHA Down Payment Assistance Programs In 2021

What is Down Payment Assistance? Did you know that you can get help paying for your home’s down payment? Saving up for a down payment can be difficult. Luckily ...

How do I Qualify for an FHA loan in Texas?

When approaching buying a home in Texas, you’ll face a long list of options for financing your purchase. One option that many house hunters heavily consider, ...

What Is An FHA 203(k) Loan?

If you’re looking for a fixer-upper, an FHA 203(k) loan may be right for you.

Is an FHA Loan Right for a First-Time Home Buyer in Texas?

FHA gets described as the loan for first-time buyers with bad credit. Neither half of that is accurate, and believing it costs people money in both directions: ...

The Inauguration and Texas Refinance Rates

New legislation under the incoming Biden administration will undoubtedly impact household spending, mortgage rates. Mortgage rates will effect both your ...

9 Day Trips From Houston

When your schedule feels overly packed between work and responsibilities at home, life can feel impossible to take a vacation. Luckily, you don’t have to book ...

Mortgage Refinance During COVID In Texas

You’re thinking about refinancing your mortgage. You may be wondering how to go about a mortgage refinance during COVID-19.

When Is the Right Time for Mortgage Refinance?

Mortgage rates rarely stay constant. As rates drop, homeowners often ask themselves “Is it the right time for Mortgage Refinance?” When rates drop, you may ...

How Much Down for a Conventional Loan?

Before you apply for a conventional loan, it’s important to understand all the requirements, including how much you needd for a conventional loan down payment.

How Much is a Down Payment on an FHA Loan?

Saving up to purchase a home is one of the most important, and difficult, financial moves you will ever make. As you look at various loans you’ll notice they ...

FHA vs Conventional Loans: Key Differences

When you are looking to buy a home, it’s important to make sure you select a mortgage that works best for your financial situation. Many people consider either ...

MIP on an FHA Loan – How do I get rid of it?

Getting rid of mortgage insurance premiums (MIP) on an FHA mortgage loan can help you save thousands of dollars. While it can be difficult to eliminate ...

Can You Refinance An FHA Loan?

If you applied for an FHA loan and you’re looking to refinance, you’re in luck. Just like any home loan, Federal Housing Agency Loans can be refinanced to ...

How to Apply For An FHA Loan In Texas

If you are buying a house for the first time, it’s important to know how to apply for an FHA loan.

How to Get Mortgage Pre-Approval in Texas

When buying a home, getting mortgage pre-approval in Texas is one of the most important things you can do. It doesn’t matter which city your future home will ...

Does Getting Pre-Approved Hurt Your Credit?

Getting pre-approved can make it easier to shop for homes, but many buyers wonder, “Will getting pre-approved hurt my credit score?” Can you protect your ...

How Long Does A Mortgage Pre-Approval Last?

Being pre-approved for a mortgage in Houston will make the process of buying a home easier for you. Once you have your letter of pre-approval, sellers are more ...

How Long Does Pre-Approval Take in Houston?

If you are searching for a home in Houston, getting pre-approved is one of the most important steps you can take in the buying process. Getting pre-approved ...

What Does Mortgage Pre-Approval Mean?

Getting a mortgage pre-approval in Texas is one of the most important steps in the home-buying process. Although getting pre-approved is no guarantee that ...

Who Sees My Credit Score?

As you build your credit, you may be wondering who sees your credit score. And here’s the answer: banks, landlords, potential employers, credit card companies, ...

Top Five Zoos In Texas, Wildlife Parks, And Safaris -

Texas is home to some of the country’s most impressive zoos, safaris, aquariums, and wildlife encounters. Whether you want to get up close and personal with ...

What Is Escrow And How Does It Work?

What Is Escrow? An escrow account is maintained by a third party. There are two types of escrow.

Can You Get a Mortgage In Texas Without A Credit Score?

Many first-time homebuyers ask, “get a mortgage in Texas without a credit score?” It’s highly recommended that you pay off all your debt before you apply for a ...

Texas Home Buying: What Are Mortgage Points, And Should You Buy Them?

Mortgage points, or discount points, are used to prepay a portion of the interest on your mortgage. Your lender will present these points to you as a way to ...

Prequalified vs Preapproved for a Mortgage: What's the Difference?

To be prequalified for a mortgage, your lender will ask you a few questions about your income, assets, and down payment. Your lender may also ask you about ...

How Long Does it Take to Close on a House In Houston, Texas?

You have prepared your credit score and budget. You completed the shopping process. Then, you compared the loans and made the offer. Now, how long does it take ...