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Texas Mortgage Broker.
Hero-Owned. Texas-Sized
Service.

Hero Mortgage Group is a firefighter-owned brokerage licensed across Texas. We place VA, FHA, conventional, jumbo, Non-QM, and Homes For Texas Heroes loans for buyers in Austin, Houston, Dallas, San Antonio, Fort Worth, El Paso, and every metro and rural zip in between. The discipline is firehouse-grade. The pricing is wholesale. The service is the same we’d give our own crew.

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$832K
2026 TX Baseline Loan Limit
5%
DPA via Homes For TX Heroes
0%
Texas State Transfer Tax
15DAYS
Average Texas Close Window
Why Hero In Texas

We Work Texas Like It’s
Our Home Market.

Texas has the second-largest veteran population in the country, a fire service that runs through some of the biggest metros in America, and an income environment (no state income tax, high property taxes) that makes mortgage structuring fundamentally different from Florida or California. We’ve built the brokerage to handle all of it.

Whether you’re a Dallas Fire-Rescue captain looking at a move-up home in Plano, an Austin tech worker shopping a first house in Round Rock, a Houston veteran using a VA loan in Cypress, or a San Antonio nurse buying with a Homes For Texas Heroes grant — we shop your file across more than 40 wholesale lenders and structure it for the Texas-specific realities.

Programs · Texas

Every Program
Texas Has To Offer.

From baseline conforming loans to the dedicated Texas DPA programs, we map your file to every option that matters for your situation. Below: the full menu we place.

Homes For Texas Heroes (TSAHC).

The Texas State Affordable Housing Corporation’s flagship hero program offers DPA of up to 5% of the loan amount as a true grant — never repaid as long as you own the home. Eligible: full-time teachers, firefighters, EMS personnel, police, corrections officers, junior college faculty, and veterans.

The Homes For Texas Heroes program layers on top of FHA, VA, USDA, or conventional first mortgages. Income limits and purchase price caps apply, with both varying by county. Round Rock’s caps are different from those in Beaumont; Houston’s differ from El Paso. We pre-screen against the current limits on the first call.

TSAHC My First Texas Home.

For first-time buyers without the Hero qualification, the My First Texas Home (MFTH) program runs the same DPA mechanics but with broader eligibility. Same 5% DPA grant, same county-based caps, same layering options. We model both programs side-by-side when both might apply.

TDHCA Bond Programs.

The Texas Department of Housing and Community Affairs runs its own first-mortgage bond programs with discounted rates. The Hero programs (TSAHC) and the TDHCA bond programs are separate but related — we’ll always check which combination produces the lowest total monthly for your file.

VA Loans In Texas.

Texas has more than 1.4 million veterans — second only to California. The VA loan is the most powerful financing tool in the state, and we treat every VA file with the structuring depth it deserves: full underwrite up front, funding-fee optimization (including the disability waiver most loan officers never check for), and float-down rate-lock policy in writing.

The 2026 baseline VA loan limit in most Texas counties is $832,750. High-cost counties — Travis (Austin), Collin (Plano/Frisco), Williamson (Round Rock), and a few others — sit at the same baseline. Veterans with full entitlement can go above that without a down payment; the 25% down on the overage applies only above the limit.

FHA Loans In Texas.

The 2026 FHA single-family loan limit in most Texas counties is $524,225 at baseline. Several DFW metro counties and the Austin metro hit higher tiers — Collin, Dallas, Denton, Rockwall, Tarrant, Hood, Hunt, Travis, Williamson all top $625,000+. We confirm your county’s exact 2026 figure on the first call.

Conventional, Jumbo, & Non-QM.

For Texas borrowers with strong credit and stable income, conventional is usually the lowest long-term cost. Above the $832,750 baseline, jumbo programs take over — and the deep Texas market gives us access to several Texas-focused portfolio lenders with competitive jumbo pricing. For self-employed Texas business owners (especially in oil & gas, construction, and real estate), our Non-QM bank-statement and DSCR placements are routine.

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Texas · Statewide Coverage

Every Texas Metro.
Every Texas Zip.

Texas spans 268,000 square miles. We close loans in all of them — from the Pineywoods to the Panhandle, the Hill Country to the Border. A representative sample of cities where Texas clients have run loans through us:

Texas FAQ

Questions From Texas
Buyers, Answered.

What's the 2026 conforming loan limit in Texas?

The 2026 baseline conforming loan limit in most Texas counties is $832,750 for a single-family home. Multi-unit limits scale up: $1,066,250 (2-unit), $1,288,800 (3-unit), $1,601,750 (4-unit). Texas does not have any FHFA-designated "high-cost" counties, so the entire state shares the baseline limit.

Loans above the baseline move to jumbo financing — which we place with several Texas-focused portfolio lenders for competitive pricing.

Can I use Homes For Texas Heroes with a VA loan?

Yes — and this is one of the most underused stacks in Texas mortgage lending. Veterans who qualify as Texas Heroes (firefighter, teacher, EMS, police, corrections, junior college faculty, or veteran) can layer the TSAHC 5% DPA grant on top of a VA loan with zero down. Effectively that means walking into a home with zero out of pocket plus 5% in seller-side credits or rate-buydown options on top.

Income and purchase price caps apply. Eligibility verified at application.

How do Texas property taxes affect my mortgage qualification?

Significantly. Texas averages ~1.6% effective property tax — roughly double the national average. On a $400,000 home, that's about $533/month in property taxes alone, before insurance. When underwriters calculate your DTI, the full property tax goes in the housing payment.

Two structural implications: (1) you can afford less house in Texas than in low-property-tax states at the same income, and (2) the homestead exemption (filed Year 1, takes effect Year 2) reduces taxable assessed value and can shave meaningful dollars off your post-Year-1 payments. We model both years on every Texas file.

What's a Texas 50(a)(6) cash-out refinance and why does it matter?

Texas Article XVI Section 50(a)(6) is a unique constitutional provision regulating home-equity loans in Texas. Among the rules:

  • Maximum total loan-to-value is capped at 80% (lower than most states)
  • Only one home-equity refi per 12-month period
  • Specific notice and waiting-period requirements
  • Closing must happen at a title company, attorney's office, or lender's office (not at home)

The rules matter most for cash-out refinances. We handle the Texas-specific compliance routinely — it's a common compliance trap for out-of-state lenders.

Do you have a physical office in Texas?

No — we're a Florida-based brokerage that places loans across all 12 states we're licensed in. The lack of a physical Texas office doesn't change the wholesale-lender access, the Texas-specific structuring expertise, or the close-times. Closings happen at the title company of your choice; everything else runs by phone, video, and secure document portals.

If you prefer a hyper-local broker who only works Texas, that's a fair preference. If you want a firefighter-owned brokerage with Texas program depth and wholesale pricing, we'd love the chance to compete for your file.

How fast can you close a Texas mortgage?

Our average Texas close window is 15 days from contract acceptance to funded loan. The variables are appraisal turn-around (typically 5–10 days in major Texas metros) and title work (1–3 days in Texas because there's no transfer tax). VA IRRRL refinances often close in 7–10 days because appraisals aren't required.

For Every Texas Buyer

Texas-Sized Service.
Firehouse Standards.

No documents required to start. Eligibility for every Texas program — including Homes For Texas Heroes — verified on the first call.

Get My Texas Pre-Approval Call (561) 486-HERO