Best Texas Mortgage Lenders
Browse 48 top-rated mortgage lenders in Texas as of March 12, 2026. See lender reviews, ratings, and investment specialties.
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NMLS # 2625701
HomeAbroad Loans
Hard/Private/Non-QM
Hard/Private/Non-QM
HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections). view more -
Ternus delivers fast, dependable financing tailored for real estate investors. Loan options include Fix & Flip, DSCR Single-Family and Portfolio, Bridge, and Wholetail Loans. Eligible properties may qualify for up to 100% LTC with no credit check and no appraisal. The process is simple, transparent, and built for real investors, by investors who know your hustle. view more
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InvestorMac Capital LLC
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
We specialize in helping real estate investors secure and refinance DSCR (Debt Service Coverage Ratio) loans—without the income documentation headaches of traditional mortgages. Whether you're scaling a rental portfolio, optimizing cash flow, or looking for a fast refinance, we deliver flexible, investor-focused solutions built around your property's performance. Our team understands investor timelines, complex structures (like LLCs and short-term rentals), and the urgency of closing deals... view more -
GRIT Lending Solutions LLC
Hard/Private/Non-QM
Hard/Private/Non-QM
GRIT Lending Solutions helps real estate investors in the Dallas–Fort Worth area fund fast on fix-and-flip and BRRRR projects. Run by two brothers and backed by our own capital, we make all lending decisions in-house — keeping the process simple, responsive, and built around your timeline. We support serious investors who value straight answers, clear terms, and a lending partner they can grow with. view more -
NMLS # 1252107
Conventional & Gov.
Hard/Private/Non-QM
Cake Mortgage | Real Solutions for Real Estate Goals Getting financing shouldn’t be complicated and at Cake, we make it simple, fast, and investor-friendly. We specialize in helping real estate investors, entrepreneurs, and self-employed borrowers close confidently on loans that traditional banks can’t (or won’t) approve. Whether you're buying your first rental, leveraging CPA-prepared P&Ls or bank deposits to qualify, or expanding a complex portfolio, our nationwide team offers tailored ... view more -
Contour Mortgage Corporation
Hard/Private/Non-QM
Hard/Private/Non-QM
At Contour Mortgage, we pride ourselves on being more than just a direct retail residential mortgage lender—we’re a trusted partner in turning vision into reality. Our Business Purpose Lending division focuses on 30-year renovation loans and DSCR financing, empowering investors, developers, and entrepreneurs to acquire, improve, and maximize the value of their properties. With decades of combined expertise and a client-first approach, we deliver tailored financing solutions that move projects... view more -
Hard/Private/Non-QM
Clion Capital delivers powerful, institutional lending for serious real estate investors: - Fix & Flip, Bridge, New Construction, and long-term DSCR Rental solutions—each crafted for fast closings and predictable results. Loan amounts from $100K to $3MM, non-rural. - We offer industry-low origination costs, aggressive rates, flat underwriting fees, and no appraisal fees*. - Our borrowers benefit from streamlined applications, concierge support, and construction tools to help drive profit... view more -
NMLS # 0
KC Home Offers LLC
Hard/Private/Non-QM
Hard/Private/Non-QM
We offer Investor focused lending products with limited document requirements and industry disrupting low fees. Our founder, Ashley Abbott is a seasoned investor with over 50 rental doors who built this company with the mind-set of delivering loan products that satisfy every rental investor and fix and flippers needs. We require no bank statements, no W-2, and no tax returns for our loans. We require no verification of funds or reserves on purchase and refinance so no bank statements ever! We... view more -
Conventional & Gov.
Hard/Private/Non-QM
I’m Ryan Jones and Klint McKinney, founders of Life Changing Lending. We are a nationwide direct lender using proprietary AI technology to make real estate financing simple, fast, and creative. We have over 40 Loan Officers that specialize in 100% Financing Fix and Flip Loans, DSCR, and new construction deals — and we love tackling the kinds of deals other lenders won’t touch. What sets us apart is how we underwrite and structure deals: Up to 80% LTV cash-out financing (many lenders cap... view more -
Hard/Private/Non-QM
Munoz Ghezlan & Co. helps real estate investors scale their portfolios through 10-20% down DSCR Loans and Working Capital funding. Our Hybrid DSCR Loan lets investors acquire or refinance rental properties with as little as 10% down, no income documentation, and cash-flow-based underwriting—perfect for investors who want leverage without red tape. Our Working Capital program provides access to $50,000 - $500,000 in unsecured 0% business credit and term loans that can be used for down p... view more
Texas Mortgage Rates Today
How to Find a Lender in Texas
To choose a lender that aligns with your investing goals, start by asking the right questions about their experience with real estate investors and their flexibility in loan terms. When speaking with a potential lender, ask about their familiarity with investment-specific loan products, such as portfolio loans, bridge loans, or cash-out refinancing options, and how often they work with investors in your target market. Understanding the lender's typical loan-to-value (LTV) ratios and whether they offer specialized financing—like quick approvals for competitive markets—can reveal how well their services support quick, strategic property purchases.
In addition to loan features, inquire about fees, interest rates, and their approach to managing multiple property loans. For example, ask if they provide discounts on financing for investors with multiple properties or if they offer customizable loan packages based on your long-term goals. A lender who is open to building a relationship and adjusting terms to your needs is often a better fit for a growing investment portfolio. Finally, get recommendations from local real estate investment groups, which can provide insights into which lenders in your area have a strong track record with investors. And remember there is no one size fits all lender, you will want to find the right one for your investing needs.
Testimonials
"Found a lender who was able to offer exactly what I was looking for."
"Beat our local broker by one percent! Thank you BP."
"Easy to use and found a great Lender! Still going through the process but should close this week!"