Mortgage loans in Texas
Justin Mackler is licensed to originate home loans in Texas. Here is how a Texas loan works with him, which programs are available, and a few state rules worth knowing.
How a Texas loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a Texas title or closing professional handle the appraisal and title work.
- Closings take place in Texas with a local title company, closing attorney, or settlement agent, as state rules require.
Loan programs available in Texas
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
TDHCA's Texas Homebuyer Program offers 30-year first mortgages with down payment and closing cost assistance as a second lien, subject to first-time buyer, income and price limits. Texas Department of Housing and Community Affairs (TDHCA)
Texas details to know
- Texas home equity (cash-out) loans under Article XVI, Section 50(a)(6) of the Texas Constitution are limited to 80% of the home's fair market value when combined with all other liens, and fees are capped at 2% of the loan amount, with certain exclusions. Source: Texas Finance Commission: Home Equity Notice
- A Texas home equity loan cannot close until 12 days after the later of the application or the required notice, may close only at a lender, title company or attorney office, and can be rescinded within 3 days after closing. Source: Texas Finance Commission: Home Equity Notice
- School districts must provide a $140,000 residence homestead exemption. Apply with your county appraisal district using Form 50-114. Source: Texas Comptroller: Property Tax Exemptions
- For 2026, every county in Texas uses FHFA's baseline one-unit conforming loan limit of $832,750, with no high-cost county adjustments. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your Texas purchase or refinance and he will follow up with real options.
Texas mortgage questions
Can Justin Mackler help with a mortgage in Texas?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in Texas through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in Texas?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in Texas with a local title company, closing attorney or settlement agent, as state rules require.
How much cash can I take out of my Texas home?
Texas limits a home equity (50(a)(6)) loan so that it plus all other liens on the home cannot exceed 80% of fair market value. There is also a 12-day waiting period before closing and a 3-day right to rescind after closing.
Can I refinance a Texas home equity loan right away?
Generally no. If your home secured the same type of loan within the past year, a new 50(a)(6) loan cannot close until one year after the earlier closing, except in a declared state of emergency.
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Share your goal, price or loan amount, credit range, timeline, and your Texas property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.