Mortgage Pre-Approval in Texas
Get your Texas mortgage pre-approval in as little as 24 hours. With access to TDHCA's My First Texas Home (up to 5% DPA) and the state's generous Homestead Exemption, we'll help you maximize your buying power in the Lone Star State.
Why Pre-Approval Matters in the Texas Housing Market
Texas is one of America's fastest-growing states, with cities like Austin, Dallas-Fort Worth, Houston, and San Antonio seeing explosive population growth. This influx of buyers—many relocating from higher-cost states—creates fierce competition for homes, especially in the $300K-$600K range.
The median home price in Texas is approximately $340,000, but varies significantly by metro: Austin averages $450K+, while San Antonio and Houston remain more affordable around $325K. With homes selling within 30-45 days in hot markets, a pre-approval letter is your ticket to being taken seriously.
Texas Market Reality
In Austin and DFW, multiple offers are common. Sellers in these markets often won't review offers without a pre-approval letter attached—making it essential, not optional.
- Compete against cash buyers and relocators
- Know your budget before touring homes
- Qualify for TDHCA/TSAHC down payment assistance
- Take advantage of Texas Homestead Exemption planning
Texas Loan Limits for 2026
Texas uses the standard baseline conforming loan limits
All Texas counties fall under the standard baseline limit. This applies to Houston, Dallas, Austin, San Antonio, and all other metros.
FHA limits vary by county. Most Texas counties use the 2026 floor of $541,287, while high-cost metros like Austin have higher limits.
Good News for Texas Buyers
With median prices around $340K, most Texas homes fall well within conforming limits. This means better rates and more loan options compared to high-cost states.
Texas First-Time Buyer Programs
We evaluate your eligibility for these programs during pre-approval
TDHCA program with 30-year fixed rates and down payment assistance as a grant or 0% forgivable loan after 3 years.
Same benefits as My First Texas Home but available to repeat buyers too. Works with FHA, VA, USDA, and conventional loans.
Grant or 0% second mortgage for down payment. No first-time buyer requirement. Income limits up to 115% AMI.
For teachers, firefighters, police, EMS, veterans. Includes free Mortgage Credit Certificate worth up to $2,000/year tax credit.
Texas VLB offers loans up to $828,200 with discounted rates. 30% disabled veterans get additional rate reductions.
Houston offers up to $50,000, Dallas up to $60,000 in high-opportunity areas, San Antonio $30,000+ for income-eligible buyers.
Documents Needed for Texas Pre-Approval
Have these ready to speed up your pre-approval
Missing documents? Don't worry—we'll guide you through alternatives.
Start My Pre-ApprovalHow Fast You Can Get Pre-Approved
With 20+ years of experience and streamlined processes, we work quickly
Complete application with documents submitted online. Most approvals within one business day.
Found a home already? Call us for same-day pre-approval when time is critical.
Pre-approval letters valid for 60-90 days. Easy renewal with updated documents if needed.
How Much Home Can You Afford in Texas?
Use our calculator to estimate your buying power before applying for pre-approval.
Home Affordability Calculator
Discover how much house you can afford based on your income and debts
Car loans, credit cards, student loans, etc.
Lenders typically prefer ratios below 45%/45%
Ready to make it official?
Get PreApproved NowTexas Property Tax Considerations
Texas has no state income tax, but property taxes average 1.6-2.2% annually—among the highest in the nation. However, Texas offers a generous Homestead Exemption that reduces your taxable value by at least $100,000 (and more in some counties and for seniors/disabled homeowners).
Homestead Exemption Benefits
- $100,000 off taxable value (school district)
- Additional local exemptions vary by county
- 10% annual cap on value increases
- Must be primary residence, apply by April 30
Example on $400K Home
- Without exemption (2%): ~$8,000/year
- With $100K exemption: ~$6,000/year
- Annual savings: ~$2,000
- Monthly escrow difference: ~$167
Why 15,000+ Texas Homebuyers Trust Us
Real testimonials from Texas homebuyers on Google
Serving Texas homebuyers across Houston, Dallas, Austin, San Antonio
All pre-approvals reviewed by experienced Texas loan officers
Get Your Mortgage Pre-Approval Quote
Connect with Emmett directly. Quick response, personalized guidance for your Texas home purchase.
Why Contact Emmett?
- ✓ Local Texas market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation