Are you ready to become a homeowner?

We specialized in first-time homebuyers, second homes, investments, and other loan products. My two decades of experience will ease your worries. Inquire about the most competitive home loan programs in Texas that we can offer.

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Because It’s Time To Seek Financial Assistance From an Expert

Down-payment Assistance

Inquire now for the assistance program

Fixed-rate Loans

Fixed-rate conventional mortgages

Specialty Loans

ITIN, Non-QM Loans

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Hablamos Español

De nemos expertas que su idioma

PROGRAMAR UNA LLAMADA

Whatever the case may be, it's best that you inquire and talk to me. Let's see how I can help you and explore your options.

What are the Common Loan Programs?

Inquire for the most competitive loan options that you can get.

FHA Home Loan

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

The VA Loan provides veterans with a federally guaranteed home loan which requires no down payment. This program was designed to provide housing and assistance for veterans and their families.

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USDA Loans

If you're looking to buy a home in a rural or suburban area with no down payment and minimal investment, you might consider the USDA Rural Development Loan.

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Jumbo Loans

Jumbo Loans are used to finance properties that are too expensive for a conventional conforming loan. There's maximum amount for a conforming loan as determined by the Federal Housing Finance Agency (FHFA).

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With me, there's no compromise.

2 Decades of experience

As an experienced loan officer in Texas, you can count on me to guide you through the mortgage process. Whether you are a first-time homebuyer, a current homeowner wanting to refinance an existing mortgage or add an investment property to your rental portfolio, my focus is on providing a five-star customer experience. Texans Mortgage Group offers competitive interest rates and a wide range of loan products from fixed-rate conventional mortgages to FHA, VA, Jumbo loans as well as down-payment assistance programs.

NMLS# 262973 Co. NMLS # 2716207

No-hassle loan applications
Step-by-step guide in closing your loans

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Home buying journey in 5 simple steps!

01: Find Out How Much you can Borrow

The first step in obtaining a loan is to determine how much money you can borrow. In case of buying a home, you should determine how much home you can afford even before you begin looking. By answering a few simple questions, we will calculate your buying power, based on standard lender guidelines.

Pre-Qualify now

: Select the right loan program

Home loans come in many shapes and sizes. Deciding which loan makes the most sense for your financial situation and goals means understanding the benefits of each.

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: Apply for a loan

After figuring out which loans is the most beneficial for you. You can go ahead and start the application process.

Click to Apply now

: Begin loan processing

Although lenders conform to standards set by government agencies, loan approval guidelines vary depending on the terms of each loan.

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: Close your loan

After your loan is approved, you are ready to sign the final loan documents. You must review the documents prior to signing and make sure that the interest rate and loan terms are what you were promised.

No Compromise, Just Maximize

Read our guides and more -- check out our blogs!

Los beneficios de los préstamos VA: una guía sencilla

Conozca los beneficios de los préstamos VA para veteranos y miembros del servicio, incluidos la ausencia de pagos iniciales, tasas de interés bajas y requisitos de crédito sencillos. Nuestra guía expl... ...more

Home Loan Guides ,VA loan basics &Spanish

November 13, 2024•3 min read

The Benefits of VA Loans: A Simple Guide

Learn about the benefits of VA loans for veterans and service members, including no down payments, low-interest rates, and easy credit requirements. Our guide explains everything in simple terms. ...more

Home Loan Guides ,VA loan basics &English

November 13, 2024•2 min read

The Key Mortgage Abbreviations You Need to Know

Abbreviations can be challenging to comprehend in the real estate industry, particularly when it comes to mortgages. To properly navigate the mortgage process, it's essential to have a firm grasp of t... ...more

FHA Home Loan Basics ,Home Loan Guides USDA Home Loan Basics &VA loan basics

August 29, 2023•3 min read

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Hear What Our Clients Say

Reviews were imported from Google & Facebook

Edwin Armilla

Mr. Zarate was very helpful through the whole lending process. Any questions I had were always answered in a timely manner. Very knowledgeable and great communication. Definitely would recommend to anyone.

Elaine Carrasco

As a Realtor, I give Rudy Zarate 5 stars. He always answered his phone and he provided top notch service, always providing updates for my buyers and myself, every step of the way. He certainly went the extra mile! Thank you, looking forward to doing business again soon!!

Steven Doran

Rudy is the man, he got it done! I have less than stellar credit and he made my dreams of home ownership a reality. We first talked in the summer and he gave me the right pointers to improve my credit to qualify for a loan. Today a few months later I just closed on my new home.

Rudy and team are amazing, and they are excellent at communicating and keeping you informed along the way. Communication is key when you’re doing something as big as applying for a mortgage, and Rudy has by far been the best mortgage broker I’ve had the pleasure of dealing with. I will definitely recommend him and use him again in the future if the opportunity arises.

Fernanda Alvarado

Rudy and his team helped me out so much!! Im so thankful for law firm Jackeline Gonzalez for recommending me to Texans Mortgage. Everything has been so smooth!!