Best Texas Mortgage Lenders
Browse 63 top-rated mortgage lenders in Texas as of November 2, 2026. See lender reviews, ratings, and investment specialties.
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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 -
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 -
NMLS # 0
Hard/Private/Non-QM
Quicker Home Loans helps real estate investors nationwide secure DSCR and portfolio loans with fast closings, flexible terms, and highly competitive pricing. Thanks to our large approval box, we’re able to fund deals that many lenders can’t — offering investor-focused solutions that make qualifying easy and closings smooth. We specialize in DSCR, portfolio, blanket, bank statement, and P&L-based loans for residential and commercial investment properties. Whether you’re purchasing, refinanc... view more -
NMLS # 1566096
West Capital Lending
Conventional & Gov.
Conventional & Gov.
I’m a 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 creative options — f... view more -
NMLS # 1220957
Hard/Private/Non-QM
We specialize in Non-QM loans and complex financing that most lenders can’t approve. Our speed, flexibility, and multi-state reach set us apart. Investors choose us because we win difficult deals, maintain high conversion rates, and operate with efficiency similar to direct lenders. 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 -
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 -
NMLS # 173855
The Mortgage Specialist Group @ Cornerstone
Conventional & Gov.
Hard/Private/Non-QM
110 Reviews5.0 stars10 forum postsConventional & Gov.
Hard/Private/Non-QM
We are a nationwide full-service mortgage lender based in Miami with over 20+ years of experience. We specialize in all types of mortgages such as, DSCR, Conventional, FHA, Jumbo, VA, ARMS, First time buyer programs and Home Equity Lines. Neev and Emmanuel are located in Florida but lend nationwide. The Mortgage Specialist Group is a Branch within Cornerstone First Mortgage. Functioning as both the mortgage lender and broker, all aspects of the loan process (underwriting, funding and processi... 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 -
NMLS # 2826586
Uncapco Financial
Hard/Private/Non-QM
Hard/Private/Non-QM
Uncapco is a nationwide direct lender offering short- and long-term financing for investment properties, with programs that are friendly to first-time investors. DSCR Rental 🏢 - Up to 80% LTV | Rates Starting 6.125% (as of 10.17.26) Fix & Flip 🏚️➡️🏠 – Up to 95% LTC | 75% of ARV | Rates Starting 8.99% (as of 10.17.26) New Construction 🏗 - Up to 90% LTC | 75% of ARV | Rates Starting 10.25% (as of 10.17.26) We blend the flexibility of a broker with the discipline and capital backing... 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!"