How Will You Use the Home?
Tell us whether you will live there, use it for personal visits, provide housing for family or rent it out. The intended use helps determine which financing may fit.
College Station Home Loans and Refinance
Find the Right Mortgage for Your
College Station Home
Buying or refinancing in College Station starts with understanding your options. We compare wholesale lenders and explain the payment, closing costs and property details that matter so you can move forward with confidence.
Work directly with Chad Holte, NMLS #198303, a Certified Mortgage Advisor and Managing Broker of Dylken Home Loans, for straightforward guidance backed by 25+ years of mortgage experience.
See Current Mortgage Rates for College Station
Explore mortgage rates for buying or refinancing a home. Adjust your loan amount, down payment and loan type to see how different options affect your estimated monthly payment and upfront loan costs.
Compare College Station Mortgage Rates
Rates updated throughout each business day.
No credit check required.
Start With the Home You Want and How You Plan to Use It.
Your first purchase, a move within the Brazos Valley and a home connected to Texas A&M can begin with different questions. Give the mortgage conversation a clear starting point.
What Kind of Property Are You Considering?
Share a house, townhome or condo listing when you have one. Ownership structure and association details can affect the financing review.
Which Loans Fit Your Qualifications?
Review your income, credit and available funds with us. Compare suitable programs alongside the payment and estimated money needed at closing.
You do not need to have a property selected to begin. Tell us what you have in mind.
Home Loan Options for Your College Station Purchase
Your qualifications, available funds and loan amount guide the comparison. We explain how these programs differ so you can choose with a clear understanding of the payment and costs.
Conventional Loans
A flexible option for first time and repeat buyers, with down payments as low as 3% for eligible borrowers. Strong credit can help make conventional financing attractive. A down payment below 20% typically requires private mortgage insurance.
Conventional Loans →FHA Loans
FHA financing may be a good fit if your credit history makes conventional financing harder to qualify for. Eligible buyers can put as little as 3.5% down. Upfront and ongoing mortgage insurance should be included when comparing the total cost.
FHA Loans →VA Loans
Eligible veterans, service members and surviving spouses can use their VA benefit to buy a home, often without a down payment and with no monthly mortgage insurance. A VA funding fee may apply unless you qualify for an exemption.
VA Purchase Loans →Jumbo Loans
Financing for buyers who need to borrow more than the local conforming loan limit. Requirements vary by lender, making it especially useful to compare options. Your credit, down payment and savings remaining after closing help determine which programs may fit.
Jumbo Loans →College Station Housing Market Snapshot
Redfin’s College Station market area · All home types · Three months ending September 2026
$354,821Median sale price
52 daysMedian days on market
$174Median sale price per sq ft
Source: Redfin’s College Station housing market report. Reviewed November 8, 2026. These figures describe the source’s market area and reporting period, not the value or selling timeline of an individual home.
A House, Townhome or Condo Can Change More Than the Maintenance.
Choosing a property also means understanding what you will own, which expenses you will share and what the lender needs to review. Neither a detached home nor an association property is automatically the better choice.
More direct responsibility
Considering a House?
You may be responsible for the roof, exterior, yard and other maintenance. Include the condition of those items in your buying decision and ownership plans.
A house can still have an association. Check any dues, shared obligations and restrictions rather than assume a detached home has none.
Understand what you maintain and what, if anything, the association covers.
Understand what is shared
Considering a Townhome or Condo?
Association dues may cover certain shared expenses or services, but the coverage varies. Review the documents to understand your responsibilities and any known assessments.
Condo financing can also require review of the project beyond your qualifications and the individual unit. Share the listing early so we can explain the next steps.
Compare the ownership structure, shared costs and financing requirements.
A closer look at condo financing
Review the Community Along With the Unit.
Your mortgage review may include association finances, insurance, assessments and property condition. The documentation needed depends on the project and type of review.
That does not mean every condo needs the same process. It means the property should be part of the conversation before you rely on a closing schedule.
Three Useful First Steps
- Share the address. Include the association or management contact if available.
- Ask about the costs. Find out the current dues and any known assessments.
- Connect the review with the timeline. Let us discuss the project requirements before setting expectations for closing.
A Home for You, a Student or Visits Back to Aggieland?
The reason for buying matters. Explain the actual arrangement so we can review the occupancy requirements and financing options that apply.
Making your home here
Moving to College Station
Whether you are joining Texas A&M, working elsewhere in the Brazos Valley or moving locally, tell us when you expect to occupy the home and what will happen to your current housing.
Helping with student housing
Providing a Home for a Student
Discuss who will borrow, who will own the property and who will live there. A parent’s purchase for a student does not automatically qualify as a primary residence or second home.
Returning for personal visits
Buying a Place for Visits Back
Explain how often you plan to use the property and whether any rental use is intended. Personal visits alone do not establish that a property meets second home requirements.
Purchasing for rental use
Buying an Investment Property
Share the proposed rental arrangement and any income you hope to use for qualification. We can review suitable financing without assuming future rent or property appreciation.
Compare the Costs Attached to the Address.
Two similarly priced properties can have different ownership costs. Put the actual property details behind your financing estimate.
Property Taxes and Exemptions
Use Brazos CAD records to check the property and the assumptions behind the tax estimate. The seller’s exemptions may not apply to you. For a newly built home, confirm whether the estimate includes the completed property.
Brazos CAD Property Search →Insurance and Shared Coverage
Get insurance quotes for the address and review the coverage and deductibles. For a condo, ask what the association’s policy covers and what protection you need separately. Review any applicable flood coverage requirements.
Dues, Assessments and Responsibilities
Find out the regular dues, what they cover and any known assessments. Check maintenance responsibilities and restrictions that could affect your intended use. Include these obligations when comparing properties.
Guidance from search to closing
One Conversation.
More Mortgage Options.
Different lenders can approach pricing and qualifications differently. We compare suitable options across our wholesale lender network and explain the differences that affect your purchase or refinance.
See what each option means for your payment, upfront costs and relevant loan features before deciding which approach fits your plans.
Already Have a Mortgage Offer?
Bring the written offer into the conversation. We can compare the rate, points, lender charges and any mortgage insurance using consistent loan assumptions where practical.
Include any conditions attached to a builder incentive. If you are already under contract, we will also discuss whether the remaining closing timeline supports changing lenders.
Talk With UsKeeping Your College Station Home? Review the Mortgage Around Your Plans.
Start with what you want a refinance to accomplish. Compare the proposed loan with keeping your existing mortgage, including costs and the time you expect to keep it.
Compare a Different Rate or Repayment Term
Review the payment, closing costs, remaining term and total interest. For monthly savings, estimate how long those savings take to recover the costs. A longer repayment term can lower the payment while increasing interest paid over time.
Explore Rate and Term Refinance →Consider Equity for a Defined Purpose
An eligible cash out refinance can provide funds through a new mortgage. Compare the net proceeds with the amount needed and review the payment on the entire new loan balance. Texas property and program requirements apply.
Explore Cash Out Refinance →Keeping Your Current Mortgage Is Part of the Comparison
Consider the benefit you want, the cost of replacing the loan and the time you expect to keep it. If taxes or insurance caused a payment increase, review those expenses separately. Refinancing does not remove them.
Refinance timing depends on your existing loan, the proposed transaction and applicable program and Texas requirements. Share your current mortgage details so we can review the options that may be available.
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!
13 days
Average Closing Time
Individual loan timelines vary.99
★★★★★Five Star Reviews
25+
Years of Mortgage Experience
Chad Holte, Managing BrokerCollege Station Mortgage Questions, Answered
Does buying a condo involve a different mortgage review?
It can. In addition to reviewing your qualifications and the individual unit, the lender may need to evaluate the condo project. The review can involve association finances, insurance, assessments and property condition. Requirements vary by project and review type. Share the address and association contact early so we can explain the process.
Is a townhome financed the same way as a house?
The legal ownership structure matters. A property described as a townhome may be legally a condominium or another form of ownership, which can change the lender’s requirements. Share the listing so we can establish which property and project review requirements apply.
Can I help purchase housing for a student at Texas A&M?
Potentially. Explain who will borrow, who will own the home, who will live there and whether rental use is planned. Those details affect the financing review. A family relationship alone does not establish primary residence or second home eligibility. Separately check any city registration requirements for the property.
Can I buy a home for personal visits to College Station?
Potentially. Tell us how you plan to use it, whether you have another primary home and whether it will be rented. We can review whether a second home or another financing arrangement may fit. Occasional visits do not automatically establish second home eligibility.
Which loan programs should I compare for my first purchase?
Start with the programs your qualifications support. A first purchase does not automatically require FHA financing. Conventional, FHA and eligible VA loans differ in down payment, mortgage insurance, upfront costs and monthly payment. We can compare suitable options using a consistent purchase scenario.
What information should I have available if I am already under contract?
Have the signed contract, property address, closing date and relevant deadlines available. Share any existing loan offer and known property concerns. For an association property, include management contact information and details about dues or assessments when available. We will explain the supporting records needed for your situation.
How should I compare refinancing with keeping my current mortgage?
Start with the goal and compare payment, closing costs, remaining repayment period and total interest. For monthly savings, estimate how long savings take to recover the costs and consider how long you expect to keep the loan. Timing requirements depend on the existing loan and proposed refinance. Keeping your current mortgage belongs in the comparison.
Local Guides
College Station Home Buying Resources
Local guides and answers for buying and owning a home in College Station.
Statewide Guides
Helpful Texas Home Buying Resources
Statewide guides that apply across every Texas market, College Station included.
Your next step
Make Your College Station Plans.
Understand the Mortgage Behind Them.
Tell us about the home you want to buy or the mortgage you want to review. We will help you compare your options and take the next step with confidence.