Mortgage broker in Texas City, TX.
Conventional, FHA, VA, USDA, Jumbo, and Non-QM lending across Greater Houston. Same loan officers from soft-pull pre-qualification to clear-to-close.
- Local Greater Houston lender — fast pre-qualification, no surprises
- Conventional, FHA, VA, USDA, Jumbo, and Non-QM under one roof
- Texas-only focus. Q Mortgage LLC, NMLS #2567464
Texas City mortgage market at a glance
- Conforming limit
- $806,500
- 2026
- FHA single-family
- $556,150
- Galveston County
- Population
- 51,000
- 2024
Mortgages, built around Texas City.
Texas City sits along Galveston Bay in Galveston County, giving buyers access to the Greater Houston job market without paying Houston prices. The industrial corridor anchored by the Marathon Petroleum refinery and nearby Port of Texas City supports a steady base of working professionals who need straightforward financing, not a pitch. Q Mortgage (NMLS #2567464) works exclusively in Texas and knows this market the way a loan officer should.
How much home can you afford in Texas City?
Adjust the inputs to see your max purchase price, target monthly payment, and front-end/back-end DTI. Tied to the same calc engine our loan officers use.
Gross household income
Cards, auto, student loans
Cash you have available
Texas avg ~2.0%
36% = conservative, 43% = QM, 50% = aggressive
- Principal & interest
- $1,639.80
- Property tax
- $496.49
- Home insurance
- $150.00
- PMI
- $113.71
- Front-end (housing)
- 30.3%
- Back-end (housing + debts)
- 36.0%
- Loan amount
- $272,897
- LTV at origination
- 91.6%
- Cash to close (est.)
- $33,937
Enter your contact info to download the PDF summary.
Estimate only. Lenders evaluate credit score, employment history, asset reserves, and loan program in addition to DTI. Cash-to-close uses a 3% closing-cost estimate; actual closing costs vary by lender, title, and county.
The Texas City market in context.
Texas City sits in Galveston County, which carries a conforming loan limit of $806,500 and an FHA single-family limit of $556,150. Most homes here price well below both ceilings, which means the majority of buyers have a wide lane of conventional and government-backed options without bumping into jumbo territory. The buyer pool tends to include refinery and port workers, first-time buyers priced out of the tighter Houston core, and families drawn to the Texas City Independent School District. Because Galveston County shares its loan limits with the broader Houston MSA, buyers get meaningful borrowing room relative to local home values.
Every loan program we close, available across Greater Houston.
Because most Texas City home prices fall comfortably under the $556,150 FHA limit, FHA loans are a practical fit for buyers with modest down payments or credit profiles still in progress. Conventional loans make strong sense for buyers who can hit standard down-payment thresholds and want to avoid mortgage insurance long-term. VA loans, backed up to the full $806,500 county limit, are worth a close look for the veteran and active-duty population connected to the nearby military presence along the Gulf Coast. USDA eligibility should be checked for specific addresses on the city's outer edges. Each program has real trade-offs, and Q Mortgage will walk you through the numbers on all of them.
Government-backed
FHA Loans
Low down payment, flexible credit. Great for first-time buyers.
Learn moreVA Loans
Zero-down financing for veterans, active duty, and surviving spouses.
Learn moreUSDA Loans
Zero-down for rural and suburban-eligible properties.
Learn moreFirst-Time Home Buyer
Programs and guidance for your first purchase.
Learn moreDown Payment Assistance
TX grants and second-lien programs to bridge the down-payment gap.
Learn more1% Down Programs
Special programs that close with as little as 1% from you.
Learn moreZero Down Programs
Pathways to a zero-down purchase via VA, USDA, or lender credits.
Learn more100% Financing
100% LTV options for qualifying borrowers.
Learn moreConventional
Conventional Loans
Standard 3% to 20% down loans backed by Fannie/Freddie.
Learn moreJumbo Loans
Above-conforming financing for higher-priced homes.
Learn moreFixed-Rate Mortgage
Lock the same rate for 15 or 30 years.
Learn moreAdjustable-Rate Mortgage
Lower intro rate for buyers who plan to move or refi.
Learn more30-Year Mortgage
Most-common loan term for primary residences.
Learn moreRefinance & equity
Refinance Overview
Find the right refi structure for your equity + rate goals.
Learn moreRate-and-Term Refinance
Lower your rate or shorten your term.
Learn moreCash-Out Refinance
Tap equity for renovations, debt consolidation, or investment.
Learn moreHELOC
Revolving credit line tied to your home equity.
Learn moreHome Equity Loan
Fixed-rate second lien against your TX home equity.
Learn moreSpecialty programs
Rent-to-Own
Lease-to-purchase pathway for buyers who need time.
Learn moreNew Construction
Financing for spec, semi-custom, and custom new builds.
Learn moreConstruction & Renovation
Single-close construction or renovation financing.
Learn moreLand Loans
Acquire raw or improved land for future construction.
Learn moreMedical Professional
Physician/MD/DO programs with relaxed DTI + student-loan handling.
Learn moreITIN Loans
Financing for borrowers without an SSN using an ITIN.
Learn moreTip Worker Loans
Income-qualification using documented tip income.
Learn moreNon-QM & investor
Bank Statement Loans
12- or 24-month bank statements in lieu of tax returns.
Learn moreP&L Loans
CPA- or borrower-prepared P&L for self-employed income.
Learn more1099 Loans
Qualify on 1099 income instead of W-2 or returns.
Learn moreAsset Depletion
Qualify using verified assets converted to monthly income.
Learn moreDSCR (Investor)
Qualify the property — no personal income docs required.
Learn moreFix-and-Flip
Short-term acquisition + rehab financing for flippers.
Learn moreBridge / Hard Money
Short-term financing to bridge purchase and permanent loan.
Learn morePortfolio / Blanket
Single loan across multiple investment properties.
Learn moreShort-Term Rental
Financing structured around STR / Airbnb income.
Learn moreForeign National
TX financing for non-US-citizen / non-resident borrowers.
Learn moreExpanded Program
Catch-all Non-QM for scenarios outside standard guidelines.
Learn moreTexas City mortgage FAQs
What is the FHA loan limit for Texas City, TX?
Does Texas City qualify for VA loans, and what is the county limit?
Are there jumbo loan options in Texas City?
Can first-time buyers in Texas City use conventional financing instead of FHA?
I work at one of the refineries near Texas City. Does shift income count for mortgage qualification?
Can I refinance my Texas City home to access equity?
Ready to get pre-qualified in Texas City?
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