Licensed Mortgage Lender In Texas
Licensed Mortgage Lender in Texas
Texas Home Loans Done Right. Licensed, Local, and Trusted.
Direct Rate is a licensed Texas mortgage lender with 500+ five-star reviews and a team that has helped hundreds of Texas families close on time with no surprises. We are based in San Antonio and serve buyers and homeowners across the entire state.
Why Texas Buyers and Homeowners Choose Direct Rate
- Licensed Texas mortgage lender - NMLS ID 2320473
- Based in San Antonio - a real local team, not a national call center
- 500+ five-star reviews from Texas homeowners
- Experts in VA loans for the Texas military community
- All 9 loan programs available - one lender for every situation
- Pre-approvals ready in 24 hours with a complete file
- We stay with you from your first call to closing day - and after
Every Loan Program Available in Texas
One lender. Every program. We find the right fit for you.
Conventional Mortgage
Competitive rates. PMI removable at 20% equity. Best for buyers with solid credit.
FHA Home Loans
3.5% down. Flexible credit. Great for first-time buyers in Texas.
VA Home Loans
0% down. No PMI. For eligible veterans and active-duty military in Texas.
USDA Home Loans
0% down in eligible Texas areas. More communities qualify than most people think.
Fixed Rate Mortgages
One rate. One payment. Locked in for the life of your loan.
Jumbo Loans
Finance higher-value Texas homes above standard loan limits. Strong profiles welcome.
Mortgage Refinancing
Lower your rate, access equity, or remove mortgage insurance.
Reverse Mortgages
For Texas homeowners 62+ looking to access equity in retirement.
FHA 203k Renovation
Buy a fixer-upper and finance the renovations in one single Texas loan.
Proud to Serve Texas Veterans and Military Families
Texas has one of the largest military populations in the country. Our team has helped hundreds of service members and veterans across the state use their VA home loan benefit - and we know how to get these loans done right.
- Fort Sam Houston, Lackland AFB, Randolph AFB, and Camp Bullis - San Antonio
- Fort Cavazos (formerly Fort Hood) - Killeen
- Fort Bliss - El Paso
- 0% down payment for eligible borrowers
- No monthly mortgage insurance
- VA IRRRL streamline refinance available for existing VA loan holders
Serving Texas Veterans and Military Families
Texas is home to some of the largest military installations in the country. Our VA loan advisors are experienced with the specific needs of Texas military communities.
- Fort Sam Houston - San Antonio
- Lackland Air Force Base - San Antonio
- Randolph Air Force Base - San Antonio
- Camp Bullis - San Antonio
- Fort Cavazos (formerly Fort Hood) - Killeen
- Fort Bliss - El Paso
0% down. No monthly mortgage insurance.
Competitive rates. If you have earned the VA benefit, our team will make sure you get every advantage it offers.
Call Now (210) 909-6999 →Serving All of Texas
We are licensed to lend throughout the entire state of Texas.
Don't see your city? We serve all of Texas. Get in touch and we will help.
See What Your Monthly Payment Could Look Like in Texas
Use our free mortgage calculator to get a quick estimate - then speak with a licensed advisor to get your real numbers.