Pre-approvals that close
We pre-underwrite the file before issuing your letter. Your pre-approval letter reflects the documents and program review already completed on your file.
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
Fast pre-qualification and pre-approval review, with clear next steps. No FICO ding, no commitment. Your pre-approval letter reflects the documents and program review already completed on your file.
Learn moreDown Payment Assistance
TSAHC, TDHCA, and local Texas DPA programs that can put thousands toward your first home purchase.
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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.
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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.
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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 and plain-English calls.
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 across DFW. We know your county, your title companies, and the appraisers your contract is going to land on.
Ready to start your Texas home purchase?
Fast pre-qualification and pre-approval review, with clear next steps. Free home valuation, no signup required. We will tell you yes, no, or here is what we need to make it work.