Best Texas Mortgage Lenders
Browse 52 top-rated mortgage lenders in Texas as of May 23, 2026. See lender reviews, ratings, and investment specialties.
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Hard/Private/Non-QM
DSCR, bridge, foreign national, construction, portfolio, cash-out refinance, and rate & term loans — we specialize in mortgage solutions tailored for real estate investors. Our process is fast, smooth, and built on clear communication with everyone involved. We pride ourselves on transparency, expertise, and a deep understanding of the investor market. With flexible terms and competitive rates nationwide, we make funding your next investment simple, reliable, and efficient. view more -
NMLS # 1566096
West Capital Lending
Conventional & Gov.
Conventional & Gov.
I’m a Phoenix-based mortgage strategist who helps real estate investors build wealth through smart leverage, not guesswork. With over a decade in lending and a background in real estate development, I understand both the numbers and the nuts-and-bolts of investing. Whether you’re acquiring your first rental, flipping for profit, or financing a new build, I create tailored loan strategies that prioritize speed, cash flow, and scalability. My approach blends traditional financing with creati... view more -
NMLS # 2651083
GRZECA CAPITAL - Antonio Grzeca Strodthoff - Investment & DSCR Mortgage Loan Officer
Hard/Private/Non-QM
18 forum postsHard/Private/Non-QM
We specialize in DSCR (Debt Service Coverage Ratio) financing designed specifically for investors looking to scale without traditional income documentation. Below are our current programs with no FICO score minimum through Champions Funding: 1–4 Unit DSCR Financing * No personal income or employment verification required * Qualify based on property cash flow (rental income) * Up to 80% LTV (purchase) | 75% LTV (cash-out refinance) * No seasoning required for cash-out * Loan amoun... view more -
Hard/Private/Non-QM
DreamPoint Capital is an investor-focused mortgage brokerage helping real estate investors close DSCR rental loans and fix & flip (bridge) financing nationwide. We’re built for speed, clear communication, and clean execution—whether you’re buying your first rental or scaling a portfolio. We Specialize In: - DSCR Rental Loans (Non-QM): Qualify primarily based on the property’s cash flow (not your W-2) - Fix & Flip / Bridge Loans: Purchase + rehab financing for value-add deals - BRR... view more -
Chavez Capital is an investor-focused private lending firm offering Fix & Flip, Ground-Up Construction, and DSCR loan solutions. We combine private and institutional capital with investor-friendly flexibility to help clients scale their portfolios efficiently and close with confidence. view more
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NMLS # 1820
The Hogue Team at CMG Home Loans
Conventional & Gov.
Hard/Private/Non-QM
Conventional & Gov.
Hard/Private/Non-QM
Investor Execution Partner | DSCR & Creative Leverage Specialist We help investors turn theory into real, profitable deals. Most investors don’t fail because of rates. They fail because the deal wasn’t structured correctly. We partner with real estate investors—especially first-time and time-constrained investors—to analyze, structure, and execute investment loans the right way, not just approve them. If you want a lender who will pressure-test your deal, protect your downside, a... view more -
Hard/Private/Non-QM
Stallion Funding is a relationship-based private lender providing fast, transparent financing for real estate investors, builders, developers, and brokers nationwide. We’re known for reliable closings, clear communication, and upfront pricing, so investors can move quickly and close with confidence. Our team specializes in fix-and-flip, buy-and-hold (DSCR), new construction, bridge, and land loans, delivering speed and certainty without surprises. We take a proactive, solution-oriented app... view more -
NMLS # 2740541
Truehold Financial
Hard/Private/Non-QM
Hard/Private/Non-QM
Truehold Financial offers smart loan programs specifically for real estate investors. Whether you're building a rental portfolio with DSCR loans or flipping properties with our fix-and-flip financing, we provide fast funding in as few as 10 days with terms designed for investors like you. view more -
Experts in refinancing commercial property mortgages, apartment buildings & single-family rentals. 30-year terms are available. Rates range from 8.865%-11% and close usually in 3-4 weeks. This is private money, non-bank financing & much less paperwork than a bank. Up to 75% loan to value. view more
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NMLS # 407536
Conventional & Gov.
Hard/Private/Non-QM
I specialize in helping homebuyers and real estate investors secure the right financing—whether it’s a conventional purchase, refinance, VA loan, or DSCR investment property. My focus is on speed, clarity, and structuring deals that actually help you build long-term wealth. I work closely with investors at all levels, from first-time buyers to experienced portfolio builders, providing tailored loan solutions and transparent guidance every step of the way. If you’re looking for a reliable l... 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!"