| Lender | LendingTree rating and “best of” category | Lender review |
|---|---|---|
 |  Refinance loans | Read our review |
 | VA loans | Read our review |
 | Jumbo loans | Read our review |
 |  Online mortgage experience | Read our review |
 | FHA loans | Read our review |
 | Home equity loans | Read our review |
 |  Mortgage loan variety | Read our review |
If you’re a first-time homebuyer who wants to put down roots in Texas, you may be eligible for some added assistance with your down payment and closing costs. The following programs are specifically geared toward those looking to settle down in the Lone Star State.
The Home Sweet Texas program offers low- to moderate-income Texans down-payment assistance as a grant or a forgivable second-lien loan. The down-payment assistance can equal up to 5% of your mortgage amount.
Eligible homeowners must:
As the name suggests, the Homes for Texas Heroes program provides down-payment assistance grants or forgivable second-lien loans to those who work to help others. Teachers, police officers, firefighters and emergency medical services (EMS) personnel, corrections officers and veterans are eligible, even after buying their first home.
Eligible homeowners must:
Available to first-time homebuyers, the My First Texas Home program offers a 30-year, 0% interest loan that can help cover the upfront costs of buying a home. The loan can be worth up to 5% of your mortgage amount and it can be combined with Texas’ mortgage credit certificate.
Eligible homeowners must:
Learn more:
→ Texas first time homebuyer programs
→ FHA loan limits in Texas
If you own your own home, you may be interested in mortgage rates in Texas from a refinancing perspective. In lending, refinancing is the process of taking out a new home loan — usually one with better terms — to pay off your old one. While every homeowner’s refinancing scenario is different, here are a few tips to find your best rate:
