Build the Full Monthly Budget
Include taxes, insurance, any required mortgage insurance, and association dues. Check for special district charges and use the property’s details rather than assuming the seller’s expenses will become yours.
Home / Areas We Serve / Texas
Texas Home Loans and Refinance
Mortgage Broker in Texas
Buying or refinancing in Texas starts with a clear plan for your budget and goals. Explore your loan options, check current rates, or find guidance for the community you call home.
Work directly with Chad Holte, a Certified Mortgage Advisor and Managing Broker of Dylken Home Loans, for straightforward guidance backed by 25+ years of experience.
Explore Current Texas Mortgage Rates
Compare current rates for buying or refinancing in Texas. Adjust your property details, loan amount, and financing preferences to explore options for your budget.
Current Mortgage Rates
Rates updated throughout each business day.
No credit check required.
Explore Your Texas Community
Choose your city for local housing information, mortgage options, and home buying resources.
Serving buyers and homeowners throughout Texas.
Dallas Fort Worth
Austin Area
Houston Area
San Antonio Area
Central Texas
West Texas and the Panhandle
South Texas and the Gulf Coast
Didn’t See Your City Listed?
We provide home purchase and refinance financing throughout Texas, including your community. Explore our loan programs to find options that fit your plans.
Plan Beyond the Purchase Price
What to Know Before Financing a Home in Texas
Coordinate Equity and Timing
If your down payment depends on selling your current home, coordinate when the proceeds will be available. Buying first requires a review of available funds and the payments that must be counted.
Review Texas Refinance Requirements
Texas homestead equity loans have specific requirements. Review your property, existing mortgage, and refinancing goal before relying on a cash amount or closing date.
What real clients are saying
5.0
99 Google & Zillow Reviews
Google
Chad did a great job helping navigate through options. The fastest close we’ve ever had.
Google
This is our second time working with CHAD, his service is excellent. His attention to detail and caring for his customer is outstanding.
Google
I’ve been working with Chad for over 15 years on both new purchases and multiple refinances, and in all kinds of market conditions. I confidently refer friends and family to Chad at every opportunity. It’s fantastic to know that you’re always going to end up with extremely competitive rates, and the best possible service from beginning to end. Amazing work Chad and team!
Texas Mortgage Questions
Can you help me if my Texas city is not listed?
Yes. Dylken Home Loans is licensed to serve borrowers throughout Texas. The directory highlights communities with dedicated local guides; it is not a list of the only places we lend. Tell us the property location and whether you are buying or refinancing so we can review the options.
What should I include when estimating a Texas mortgage payment?
Include principal, interest, property taxes, homeowners insurance, and any required mortgage insurance. Add association dues, applicable special district charges, and any required separate insurance to your overall housing budget. Use the specific property’s records and insurance quotes rather than assuming the seller’s current expenses will become yours.
Are cash out refinance requirements different in Texas?
Yes. Texas homestead equity loans under Section 50(a)(6) have specific requirements, including a maximum combined loan amount of 80% of the home’s value. The property, existing liens, loan history, and transaction structure determine which rules apply. Review the proposed refinance before relying on a particular cash amount or closing date.
Texas Homeowner and Buyer Resources
Plan Your Move With Texas Guides
Explore the timing and financing decisions involved in moving from one home to another.
Plan the transition from your current home to the next one.
Review financing and available funds before committing to a purchase first.
Coordinate sale proceeds, temporary housing, and the next purchase.
Understand how a home sale condition can affect your next offer.
Texas Home Buying and Mortgage Resources
Mortgage insights to help you understand financing, plan a home purchase, and explore refinancing strategies across Texas.
Make a Clear Plan for Your Texas Mortgage
Tell us where you are buying or refinancing and what you want to accomplish. We will help you understand your options, the numbers to review, and what to prepare next.