Your No Excuses Mortgage Lender in Texas
In booming markets from Austin to Dallas, we offer fast closings, high-balance jumbo loans, and veteran-friendly VA financing across all of Texas.
Expert Home Loan Guidance in Texas
Navigating the real estate market in Texas requires a local expert who understands the nuances of the area. Whether you are buying in Houston, Dallas, Austin, or anywhere else in the state, Rob Miller brings 20+ years of experience to ensure your loan closes smoothly.
High-balance loan specialists
TDHCA & TSAHC Down Payment Assistance expert
Veteran-friendly VA loan expert
New construction financing options
Texas Down Payment Assistance
Texas runs two parallel statewide programs, and comparing both is worth the extra step. TDHCA's My First Texas Home and My Choice Texas Home offer up to 5% down payment assistance as a deferred second lien, and can stack with a Texas Mortgage Credit Certificate for an ongoing federal tax credit. TSAHC's Homes for Texas Heroes offers the same 3–5% assistance range plus a rate discount specifically for teachers, firefighters, police officers, nurses, and veterans, while its Home Sweet Texas program is open to any moderate-income buyer. Several major Texas metros — Houston, Dallas, Austin, San Antonio, Fort Worth — layer city-specific grants on top of both state programs. Rob runs the numbers on TDHCA and TSAHC side by side so buyers can see which combination puts more money in their pocket.
Where We're Lending in Texas
Texas leads the nation in raw population growth, and Texas metros dominate the national relocation rankings. We're active across:
- Dallas-Fort Worth Metroplex — the nation's #1 growth metro, including Arlington, Grand Prairie, Plano, Frisco, McKinney, Allen, and Prosper
- Houston Metro — Houston, Katy, Conroe, Sugar Land, The Woodlands
- Austin Metro — Austin, Round Rock, Georgetown
- San Antonio Metro — San Antonio, New Braunfels, Schertz
- Fort Worth & Tarrant County — including local grant programs reaching up to $50,000
Rob helps Texas buyers compare TDHCA, TSAHC, and city-level assistance for whichever of these markets they're buying in.
Major Cities Served in Texas
Ready to Get Started in Texas?
Take the first step toward your dream home. Fill out the contact form, and Rob will personally reach out to discuss your options and build a customized mortgage strategy for your Texas property.