Our Latest Blogs
What do higher interest rates mean for first time home buyers?
What do higher interest rates mean for first time home buyers? We are truly in a unique time in the Texas Housing market. We have seen record setting price increases in homes in major metropolitan areas and even some smaller Texas cities in the last two years. There are more potential home buyers in the market than there are homes available; with many new families moving to Texas from other states. And… now the interest rates that have been at
Underwriting Process
Many assume that a pre-approval is a guarantee and that they will receive a loan. But, you need to get a final approval during the mortgage underwriting process before you can officially receive your loan and close on a house. So we’re here to share everything you need to know about underwriting and the process. What is Underwriting? Underwriting is the process used by lenders to determine if a potential homebuyer is eligible for a mortgage loan based on their
Texas Housing Market Report 2026
What Home Buyers Need to Know Updated January 2026 | Texaslending.com The Texas housing market continues to be one of the most dynamic real estate environments in the nation. Whether you’re a first-time buyer searching for FHA loans Dallas TX, a homeowner exploring Texas home refinance options, or looking to tap into your home equity in Texas, understanding current market conditions is essential for making smart financial decisions. This comprehensive report from Texaslending breaks down everything you need to know
Photo Challenge: For Kids at Home
If you or your kids are struggling to find something to do with your time at home, this photo challenge may be perfect for you. Using a smart phone, tablet, or digital camera check-off the creative tasks on the photo challenge list. Engaging with family and friends through positive interactions in the safety of your home, this photo challenge highlights the positive capabilities of technology through the camera lens. Take a Photo With: Pet or family member An older photo
Mortgage Interest Rates Today
Frequently Asked Questions About Mortgage Rates Understanding Today’s Mortgage Interest Rates If you’re considering buying a home or refinancing in Texas, mortgage interest rates are likely top of mind. With the national average 30-year fixed mortgage APR hovering around 6% APR as of January 2026—down from over 7% APR just a year ago—understanding how these rates work can help you make smarter financial decisions. At Texaslending.com, we believe that finding the right mortgage isn’t just about chasing the lowest rate
Maximize Your Home Equity in Texas: Smart Strategies for 2026
Your home is more than a place to live. For many Texas homeowners, it is also the single largest financial asset they own. And in 2026, that asset has likely grown substantially. Nationwide, home equity in Texas and across the country has reached record levels. According to Cotality, the average mortgage-holding homeowner now sits on approximately $299,000 in equity, with roughly $195,000 of that considered tappable. In Texas specifically, homeowners who purchased their homes just a few years ago may
Home Equity Loans in Texas: Your Complete Guide to Accessing Your Home’s Value
If you’re a Texas homeowner looking to tap into your home’s value, you’ve come to the right place. At Texaslending.com, we have been helping Texans with home equity loans for more than 25 years. Whether you’re in Dallas, Fort Worth, Houston, Austin, or anywhere across the Lone Star State, understanding how home equity loans in Texas work is the first step toward making a smart financial decision. With American households holding over $34 trillion in home equity nationwide, Texas homeowners
How to Get a Custom Mortgage Rate Quote in Texas: Your 2026 Guide
If you have been shopping for a mortgage online, you have probably seen advertised interest rates on lender websites, comparison tools, and financial news headlines. As of early February 2026, the national average for a 30-year fixed-rate mortgage sits at approximately 6.11%, according to Freddie Mac, down from 6.89% just a year ago. Those numbers make great headlines, but they do not tell you what rate you will actually qualify for. Your mortgage rate is as unique as your financial
