Pre-approvals that close
We pre-underwrite the file before issuing your letter. Listing agents in McKinney, Frisco, and Plano know a Q letter holds up at the closing table.
Buying a home in Texas.
Your complete guide to mortgages, programs, and the Texas home-buying process — engineered for first-time buyers, move-up families, and self-employed Texans.
Three doors into your Texas home purchase.
Most Texas buyers land here in one of three places: figuring out first-time-buyer programs, getting a pre-approval to make an offer, or hunting for down-payment help. Pick the door that fits.
First-Time Home Buyer
FHA, Conventional 3% down, VA, USDA, and TSAHC down-payment assistance — the Texas-specific roadmap to your first home.
Learn morePre-Approval Process
Soft-pull pre-approval in 24 hours. No FICO ding, no commitment — and a letter listing agents take seriously.
Learn moreDown Payment Assistance
TSAHC, TDHCA, and local Texas DPA programs that can put thousands toward your first home purchase.
Learn more
The four mortgage structures most Texas buyers compare.
A mortgage is a combination of a loan program (FHA, Conventional, VA, USDA, Jumbo) and a rate structure (fixed vs adjustable) over a term (15, 20, 30 years). Start here.
Fixed-Rate Mortgage
Same principal and interest payment for the life of the loan — the most predictable structure.
Learn moreAdjustable-Rate Mortgage
Lower initial rate that adjusts after 5, 7, or 10 years — useful for shorter-hold strategies.
Learn more30-Year Mortgage
The most common term in the U.S. — lowest monthly payment, available across every program.
Learn moreFHA Loan
Government-insured. 3.5% down with FICO 580+. The workhorse first-time-buyer program.
Learn more
Low-down and zero-down options for Texas buyers.
The down payment is usually the bottleneck for first-time buyers. Texas runs one of the most active state DPA ecosystems in the country, and several lender programs add 1% down or zero-down structures on top.
TSAHC / TDHCA DPA
State of Texas down-payment assistance grants and second liens for qualifying first-time buyers.
Learn more1% Down Programs
Lender-funded programs that let you bring just 1% to closing on qualifying conventional files.
Learn moreZero Down Programs
VA for veterans, USDA for eligible Texas areas, and DPA stacks for non-veteran buyers.
Learn more100% Down (100% LTV)
Same idea as zero-down, framed by loan-to-value: how to finance the entire purchase price.
Learn more
Built for first-time and primary buyers.
Q Mortgage is a McKinney-based broker. Our entire stack is tuned for primary-residence buyers — engineered files, plain-English calls, and a pre-approval that holds up at the closing table.
Every program compared
FHA vs Conventional 3% Down vs USDA vs VA vs DPA stacks — we model the actual monthly payment across each before recommending one.
Texas-local from day one
Headquartered in McKinney, working DFW daily. We know your county, your title companies, and the appraisers your contract is going to land on.
Ready to start your Texas home purchase?
Pre-approval in 24 hours. Free home valuation in seconds. We will tell you yes, no, or here is what we need to make it work.