Buying a home in Corpus Christi or reviewing the mortgage you already have? Compare loan options with clear guidance on the property, payment and costs that matter to your plans.
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.
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.
Rates updated throughout each business day.
No credit check required.
Start with how you plan to use the property. The financing should reflect the actual arrangement, whether you are settling in Corpus Christi or buying a place for visits.
Make it your home
Tell us who will live in the home and when you plan to move in. A relocation or retirement move to the coast may be a primary residence purchase.
Share any existing housing obligations and changes to employment or income so the review reflects life after the move.
Return for personal visits
Explain how often you expect to use the property and any rental or management arrangements. A coastal address alone does not establish second home eligibility.
We can review applicable requirements before you rely on a particular down payment or loan option.
Purchase for rental use
Discuss how the property will be rented and whether you need rental income to qualify. Share any existing leases or management arrangements.
Expected bookings do not automatically establish usable mortgage income. We can review suitable financing for the actual plan.
Your qualifications, property and intended occupancy guide the comparison. Not every program applies to a second home or rental purchase. We can explain suitable options for your situation.
Conventional financing offers options for eligible first time and repeat buyers. Some primary residence programs allow as little as 3% down. Down payment, mortgage insurance and other requirements vary with the property and intended occupancy.
Conventional Loans →FHA may be worth comparing for an eligible primary residence purchase when credit or available down payment funds affect your options. Eligible buyers may put as little as 3.5% down. Include upfront and ongoing mortgage insurance in the comparison.
FHA Loans →Eligible veterans, service members and surviving spouses may be able to buy a qualifying primary residence with no down payment and no monthly mortgage insurance. Closing costs still need to be addressed. A VA funding fee may apply unless exempt.
VA Purchase Loans →Jumbo financing may fit when the amount borrowed exceeds the applicable conforming loan limit. The purchase price alone does not answer that question. Compare lender requirements for the property, occupancy, down payment and savings remaining after closing.
Jumbo Loans →Redfin’s Corpus Christi market area · All home types · Three months ending September 2026
Source: Redfin’s Corpus Christi housing market report. Reviewed November 9, 2026. These figures describe the source’s market area and reporting period, not the value or selling timeline of an individual property.
Bring the project name into the conversation
Your qualifications are one part of the loan review. The condo project may also need to meet the selected program’s requirements.
Share the project name and property address early. We can explain the information needed from the association or management company before you depend on a particular financing option.
A listing described as a townhome may still have condominium ownership. Confirm the legal structure rather than rely on appearance alone.
Use the coverage required for the actual purchase when estimating the mortgage payment. A general insurance allowance may miss important coastal costs.
Request a quote for the actual address and explain the intended use. A primary home, occasional getaway and rental operation may call for different coverage.
Ask whether the homeowners policy includes wind and hail or whether separate coverage is needed. TWIA may be an option when applicable. Your insurance agent can explain the available choices.
Review the property’s flood determination and applicable lender requirements. Discuss coverage with your insurance agent even when it is not required for the loan. Do not assume a homeowners or windstorm policy covers flooding.
We review insurance information for the mortgage. Your licensed insurance professional can explain coverage, exclusions and deductibles.
Moving to the Coastal Bend
If you are retiring or changing employment, discuss the income you expect to have after the move. An approval should reflect the circumstances supporting the new mortgage.
Have available retirement benefit statements, pension details and information about planned distributions when applicable. We can explain the records and income requirements for suitable loan options.
A retirement move to a home you will occupy is different from buying a place for occasional visits. Share the plan before choosing financing.
Use the actual property details
Identify the property’s taxing entities and confirm exemptions applicable to your circumstances. The seller’s tax bill may not represent your future expense, and a vacation property should not be assumed eligible for a principal residence exemption.
For a new build, check whether the estimate includes the completed home. Review association dues and assessments separately.
Nueces CAD: Property Information and Homestead Resources →For properties outside Nueces County, use the appraisal district serving the actual address.
Guidance from search to closing
We compare suitable wholesale lenders and explain differences in rates, lender charges, mortgage insurance and property requirements. Bring the way you plan to use the home into that comparison.
Understand what the choices mean for your payment and upfront costs, then decide which approach fits your purchase or refinance.
Share a Loan Estimate or builder financing offer. We can compare consistent loan assumptions where practical and explain the costs and conditions behind the offer.
Include the property address and expected closing date. For a builder offer, share any incentive conditions and whether a payment reduction is temporary.
Talk With UsBegin with a specific goal for your Corpus Christi property. Compare the proposed refinance with keeping the current mortgage, including costs and how long you expect to keep the loan.
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 →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 →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
99 Google & Zillow Reviews
Chad did a great job helping navigate through options. The fastest close we’ve ever had.
This is our second time working with CHAD, his service is excellent. His attention to detail and caring for his customer is outstanding.
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!
Average Closing Time
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Years of Mortgage Experience
Chad Holte, Managing BrokerThe appropriate financing depends on how you will actually use the property. Share who will occupy it, when and how often, along with any rental or management arrangements. A move to Corpus Christi for full time living may be a primary residence purchase. A coastal location alone does not establish second home eligibility. Property and program requirements apply.
Discuss both plans before choosing financing. Occasional personal use does not automatically establish second home eligibility, and projected bookings should not be assumed usable for qualification. The rental operation, management agreements and applicable loan requirements matter. Verify city permission and association restrictions separately.
Start with the project name, address and intended use. Share available information about association dues, special assessments, insurance and known repairs. The lender may need additional records from the association or management company. Your personal qualifications and the project’s eligibility are separate parts of the review.
It depends on the property, available coverage and applicable lender requirements. Coastal homeowners policies may exclude wind and hail, making separate coverage necessary. Flood coverage is a separate consideration. Ask your insurance agent to quote the actual address and intended use, then share the coverage information for the mortgage review.
When TWIA coverage is being considered, ask your insurance agent about applicable construction or repair certifications and any exceptions. TDI provides windstorm inspection guidance and certificate lookup resources. Raise the question early rather than assume a roof replacement or other improvement has the records needed for the proposed coverage.
Eligible retirement income may be considered when it meets the selected program’s requirements. Share benefit statements, pension information and planned distributions when applicable. Discuss changes expected after the move. We can explain the supporting records needed rather than assume every account balance or withdrawal qualifies as income.
Yes. Share a Loan Estimate or written builder financing offer with the property address and expected closing date. Include incentive conditions and details of any temporary payment reduction. We can compare suitable alternatives using consistent assumptions where practical and explain the payment and upfront cost differences.
Compare the proposed loan with keeping your existing mortgage. Review payment, closing costs, repayment length and total interest alongside your goal and expected time in the loan. Cash out refinancing replaces the current mortgage, so evaluate the entire new balance. Refinancing does not remove increases in property taxes or insurance. Applicable Texas and program requirements affect eligibility.
Local guides and answers for buying and owning a home in Corpus Christi.
Statewide guides that apply across every Texas market, Corpus Christi included.
Your next step
Tell us about the home you want to buy or the mortgage you want to review. We will help you understand the choices and take the next step with confidence.