Texas Mortgage Advisor · TX SML 1919202
Texas mortgages, structured properly.
From Houston high-rises to Austin estates and Dallas executive homes, Eddy structures financing across every Texas market — conforming, jumbo, FHA, VA, and DSCR.
$832,750
2026 conforming limit
1.80%
TX property tax (avg)
$345k
Median TX home price
TX · FL · LA · OR
States licensed
Jumbo for Texas executives
Portfolio jumbo to $5M+ with 10% down on $1M loans. Asset-depletion and bonus income structures for tech, energy, and finance professionals.
DSCR for TX investors
Cash-flow underwriting on rentals — Houston, Austin, DFW. No personal income docs. Close in LLC. 1-4 unit, short-term rental allowed.
VA loans across Texas
Zero-down VA financing for active duty, veterans, and surviving spouses. Joint Base San Antonio, Fort Hood, Fort Bliss families served.
Texas property tax reality
Texas runs ~1.80% effective property tax — among the highest nationally. Eddy's PITI quotes always include a realistic tax escrow so closings don't surprise you.
Cities served
Houston · Dallas · Austin · San Antonio · Fort Worth · Plano · Frisco · The Woodlands
Frequently asked
What's the 2026 conforming loan limit in Texas?+
The 2026 baseline conforming limit is $832,750 for a 1-unit property. Texas does not have any high-cost counties, so the same limit applies statewide.
Do I need a Texas-licensed loan officer?+
Yes — your loan officer must hold a Texas SML license. Eddy is licensed in Texas (NMLS #277680) through Lone Star Home Mortgage (TX SML #1919202).
How are Texas closing costs different?+
Texas uses promulgated title insurance rates set by the state, so title costs are predictable. Survey, attorney fees, and tax escrow are also typical line items at closing.
Can I close on an investment property in an LLC in Texas?+
Yes — DSCR and Non-QM investor programs allow closing in an LLC with no personal income documentation, qualifying instead off the property's rental cash flow.