Unlock the Best Mortgage Rates in Texas with MiMutual Mortgage

Conventional loans are a great option for Texas homebuyers with strong credit and financial stability. These loans offer competitive interest rates, flexible repayment terms, and lower overall costs compared to government-backed loans. Whether you’re moving into a growing city like Dallas or Houston or settling into a quieter town, a conventional loan provides you with stability and straightforward financing. With down payment options as low as 3% for qualified buyers, conventional loans make homeownership in Texas more accessible than ever.

FHA loans are designed to help first-time homebuyers and those with lower credit scores purchase homes in Texas with minimal upfront costs. Backed by the Federal Housing Administration, these loans allow down payments as low as 3.5%, making them a great option for those who may not have significant savings. Whether you're looking at homes in San Antonio, Austin, or any of Texas’ charming suburbs, FHA loans offer a pathway to affordable homeownership with flexible requirements and lower interest rates.

Texas has a strong military community, and VA loans are designed to honor our veterans and active-duty service members by making homeownership easier and more affordable. With zero down payment, no private mortgage insurance, and competitive interest rates, VA loans offer an incredible benefit for those who have served our country. Whether you're stationed near Fort Hood, moving to a vibrant city like Houston, or settling in a small Texas town, a VA loan ensures you get the best possible financing options with fewer hurdles and lower costs.

If you’re looking to buy a home in Texas' beautiful rural communities, a USDA loan might be the perfect fit. This government-backed loan offers zero down payment options for eligible areas, making it an ideal choice for families seeking affordability and space. Whether you're looking at properties in East Texas, the Hill Country, or the expansive plains, USDA loans make homeownership accessible to more Texans by providing low interest rates and lenient credit requirements.

Texas is home to a booming luxury real estate market, and if you’re purchasing a high-value home that exceeds conventional loan limits, a jumbo loan can provide the financing you need. Whether you're buying a spacious ranch in West Texas, a luxury estate in the Dallas-Fort Worth metroplex, or a waterfront property on the Gulf Coast, jumbo loans allow you to finance your dream home with competitive rates and flexible terms tailored to your financial needs.

For real estate investors in Texas, Debt-Service Coverage Ratio (DSCR) loans offer an easier way to finance rental properties without traditional income verification. Instead of relying on personal income, DSCR loans assess the cash flow generated by the property itself. Whether you’re investing in short-term rentals in Austin, apartment buildings in Houston, or multi-unit properties in San Antonio, these loans help you expand your portfolio and maximize returns without the paperwork burden of conventional financing.

Homeownership in Texas is more accessible than ever with our down payment assistance (DPA) programs. MiMutual Mortgage offers national DPA options for FHA and conventional financing, as well as Texas-specific programs like the SETH Five Star Program, TSAHC assistance, and the Texas Veterans Land Board. These programs provide eligible buyers with grants, forgivable second loans, and below-market interest rates to help cover down payments and closing costs. Whether you're a first-time buyer, a low-to-moderate-income household, or a Texas veteran, we’ll help you navigate the best assistance options available so you can achieve homeownership with less out-of-pocket expense.

Whether you're purchasing a fixer-upper in Fort Worth, restoring a historic home in Galveston, or modernizing a property in El Paso, renovation loans provide the funding you need to both buy and renovate a home. MiMutual Mortgage offers FHA 203(k) and Fannie Mae HomeStyle loans, allowing you to roll renovation costs into your mortgage. These loans help turn outdated homes into dream properties with financing options for repairs, upgrades, and improvements that add value and functionality to your Texas home.