Texas Mortgage Broker
Your Loan, Your Terms
Texas is built on independence—and so is my approach to mortgage lending. As an independent mortgage broker licensed in Texas (NMLS #233747), I don't work for any single bank. I work for you, shopping 240+ wholesale lenders to find the best rate for your situation.
Why Texas Homebuyers Choose Mortgage Brokers
Texas's booming housing markets—from Houston to the DFW Metroplex to Austin—mean competition for homes is fierce. Having a mortgage broker who can secure better rates and close quickly gives you an edge over buyers stuck with single-bank options.
Mortgage Broker
- Access to 240+ wholesale lenders
- Wholesale rates (typically 0.125-0.25% lower)
- Texas-specific programs (TDHCA, VLB)
- Works for you, not the bank
- Ranch/acreage financing specialists
Direct Lender/Bank
- Only their own products available
- Retail rates with built-in margin
- May not offer state programs
- Loan officer works for the bank
- May decline non-standard scenarios
Why Broker Access Matters in Texas
Texas Growth Markets
DFW and Houston are among America's fastest-growing metros. In competitive multiple-offer situations, buyers with broker-secured pre-approvals often close faster and with better terms.
Energy & Business Income
Texas's energy sector and entrepreneurial culture means many buyers have variable income. We know which lenders understand oil/gas income, bonuses, and business owner documentation.
Ranch & Acreage
Texas properties often include significant acreage. Not every lender finances 10+ acre parcels—we know which ones do and at what terms.
Meet Your Texas Mortgage Broker
I'm Emmett Clark, and for over 20 years I've been helping families across America—including thousands of Texans—achieve their homeownership goals. With two Master's degrees and a broker's license, I bring analytical expertise and real-world experience to every transaction.
As an independent broker, I'm not tied to any single lender. My job is to find you the best loan from my network of 240+ wholesale lenders—whether that's a major national lender, a Texas-focused bank, or a specialty lender for unique situations.
Texas buyers face unique challenges: competitive markets in DFW, Houston's energy-sector income, Austin's tech relocations, and rural/ranch purchases across the state. I've structured loans for all of these scenarios and can find solutions others miss.
Learn More About Emmett
5-Star Google Reviews
$1,000 Best Price Guarantee
Close a loan with any lender for a lower combination of interest rate, fees, and monthly mortgage insurance? We'll send you a $1,000 check. That's how confident we are in our wholesale lender network.
Share Your Loan Estimate
Send us your competitor's LE to compare
We Try to Beat It
Rate, fees & mortgage insurance combined
Close & Get Paid
Show Final CD within 10 days, get $1,000
Serving All Texas Markets
From the DFW Metroplex to Houston's Energy Corridor to Austin's tech hub, I help Texas buyers in every major market. Each region has unique opportunities—and I know which lenders serve each area best.
Houston Metro
Harris & Fort Bend
Dallas–Fort Worth
DFW Metroplex
San Antonio
Bexar County
Austin Metro
Travis & Williamson
Central Texas
Waco & Killeen
Rio Grande Valley
McAllen & Edinburg
Serving Every Texas Region
Texas Loan Programs Available
What Texas Clients Say
"Relocating from California to Plano, I was shocked by Texas's lower prices but still needed a jumbo loan. Emmett found me a rate 0.375% below what the big banks offered—that's $200/month savings."
Mark S.
Relocating Buyer, Plano TX
"We found our dream 15-acre property in the Hill Country but couldn't get financing from our bank. Emmett connected us with a lender who specializes in rural Texas—closed in 30 days."
Amanda & Chris R.
Ranch Purchase, Blanco County TX
Ready to Work With a Texas Mortgage Broker?
Whether you're buying in Highland Park, building on Hill Country acreage, or relocating to Houston—let me shop 240+ lenders to find your best Texas rate.
Texas Mortgage Broker FAQs
What is the difference between a mortgage broker and a lender in Texas?
A Texas mortgage lender (like a bank or credit union) offers only their own loan products at their set rates. A mortgage broker is an independent professional who shops your loan across multiple wholesale lenders to find the best rate and terms. Brokers access wholesale pricing not available directly to consumers.
How does a mortgage broker get paid in Texas?
Texas mortgage brokers are compensated through lender-paid or borrower-paid compensation, fully disclosed on your Loan Estimate. Compensation is built into the rate or paid at closing. Under federal law, brokers cannot receive higher compensation for steering you to a more expensive loan.
Why should I use a mortgage broker instead of my bank in Texas?
Mortgage brokers have access to wholesale rates from multiple lenders, often 0.125-0.25% lower than retail bank rates. They can also match your specific situation (self-employed, investment property, ranch) with lenders who specialize in that loan type, potentially saving thousands.
Can a mortgage broker help with Texas-specific programs?
Yes! Texas has unique programs like TDHCA down payment assistance, Texas Veterans Land Board loans, and specialized ranch/acreage financing. A good Texas mortgage broker knows which lenders offer these programs and can help you qualify.
Browse Loans by Texas City
Find specialized mortgage services in your local Texas market. Select your city to explore available loan programs.
Explore Texas Loan Programs
From the blog & learning center
Texas Home Buying Guides
What Is a Jumbo Loan? (2026 Limits)
A jumbo loan is a mortgage that exceeds the 2026 conforming limit of $832,750 in most counties, or $1,249,125 in high-cost areas.
Read more
Jumbo Loan Requirements in 2026
To qualify for a jumbo loan in 2026, most lenders look for a 700+ credit score, 10-20% down, DTI at or below 43%, and cash reserves after closing.
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Jumbo Loan Down Payment: How Much You Really Need
You don't necessarily need 20% down for a jumbo loan. In 2026, well-qualified borrowers can find financing with as little as 10% down on loans up to roughly $2 million.
Read more
Jumbo Loan Reserves: Why You May Need Less Than You Think
The generic "6 to 12 months of reserves" answer is often wrong for your situation. Some programs require as little as 3 months for qualifying scenarios.
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Jumbo vs Conforming: Which One Applies to You?
The difference comes down to one number: whether your loan amount is above or below the 2026 conforming limit of $832,750 (or $1,249,125 in high-cost areas).
Read more
USDA Loan Income Limits 2026: How Much You Can Earn and Still Qualify
The 2026 USDA income limit is $112,450 for a 1-4 person household in most of the country, and $148,450 for a 5-8 person household — higher than most people assume.
Read more