Texas buyers in Dallas, Austin, Houston, San Antonio, and Fort Worth have every loan program available to them: conventional, VA, FHA, DSCR, jumbo, and more. Clear2 is licensed in Texas and closes loans here every week.
Texas's combination of no state income tax, the nation's highest job creation, and home prices far below coastal markets continues to draw relocators and first-time buyers at scale. As an independent broker, Clear2 shops rates across multiple wholesale lenders to give Texas buyers options a single bank cannot offer.
We are not tied to one lender's product line. Clear2 searches the wholesale market to find the right fit across Dallas, Austin, Houston, San Antonio, and Fort Worth.
Texas's competitive markets move fast. Our 30-day close guarantee keeps your offer competitive without sacrificing loan terms.
You work with the same person from application through closing. No call-center handoffs, no delays, no surprises at the table.
Texas has no state income tax, which saves relocating households an estimated $2,000 to $6,000 per year compared to California, New York, or Illinois. That savings improves purchasing power and monthly cash flow.
Effective rates typically run 1.4% to 2.3%, among the highest in the country. The 2025 homestead exemption raised the school district deduction to $140,000. Homeowners 65 or older (or disabled) may combine additional exemptions up to $200,000. Appraised values are capped at a 10% annual increase. 100% permanently and totally disabled veterans may eliminate property taxes entirely under Texas Tax Code section 11.131.
Texas is a community property state. A lien on a residential homestead must be signed by both spouses, and title and closing requirements differ from non-community-property states. We walk buyers through these requirements at the start of every transaction.
Texas homestead law provides some of the strongest creditor protections in the country. A primary residence is protected from most creditor claims, with limited exceptions for mortgage debt, property taxes, HOA liens, and mechanic's liens.
From first-time buyers in San Antonio to investors in the Dallas Metroplex, Clear2 brings wholesale lender access and local market knowledge to Texas's largest housing markets.
From VA loans for Texas's large military population to DSCR investment financing, we offer every program available through our wholesale lender network, including options not available at a traditional bank.
Texas has one of the largest active-duty and veteran populations in the country, with major installations across San Antonio, Fort Worth, and Killeen. VA loans offer $0 down, no PMI, and competitive wholesale rates for eligible service members and veterans.
Low down payment options starting at 3.5% with flexible credit guidelines. FHA is a strong fit for first-time buyers in Houston, San Antonio, and the DFW Metroplex, where home prices remain accessible relative to coastal markets.
Fannie Mae and Freddie Mac programs for Texas buyers with solid credit. Down payments as low as 3%, and no PMI for buyers putting 20% or more down. Well-suited for the Austin and Dallas markets where move-up buyers are active.
Qualify based on a rental property's income, not your personal tax returns. Texas's strong rental demand across Dallas, Houston, and Austin makes DSCR a practical option for investors building a portfolio without W-2 documentation.
Use 12 or 24 months of personal or business bank statements to qualify. Designed for Texas entrepreneurs, independent contractors, and self-employed borrowers who cannot document income through standard tax returns.
Financing above the conforming loan limit for Austin's higher-priced submarkets, the Dallas luxury corridor, and comparable high-value properties across Texas metros where prices have risen significantly in recent years.
Borrow against your Texas home's equity without touching your first mortgage. Draw what you need for renovations, debt payoff, or big expenses, and pay interest only on what you use.
TDHCA and TSAHC programs can help Texas first-time buyers with the down payment. We check what fits you during pre-approval.
Qualify with bank statements, 1099s, or a P&L. Built for Texas business owners, contractors, and energy-sector earners.
Texas cash-out refinances follow Section 50(a)(6). We walk you through the 12-day notice and closing rules.
Texas offers several state-backed down payment assistance programs through TDHCA and TSAHC. Clear2 is positioned to help eligible buyers access these programs alongside wholesale loan pricing.
Clear2 Mortgage | Troy, MI — Licensed Nationwide
Clear2 Mortgage is headquartered at 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084 and operates remotely to serve buyers in Texas and across the country. As an independent broker, every Clear2 loan officer has access to 50+ wholesale lenders, so Texas buyers are never limited to one rate sheet.
Phone: (248) 970-0040
Chris Kachal brings a detail-focused approach to mortgage lending, helping buyers navigate the financing process from pre-approval through closing. He is committed to clear communication and finding loan solutions that align with each client's goals.
Five-star reviews from Clear2 clients on Google.
"Donavin was straightforward and a breeze to work with. Communication was quick and easy. The whole process was seamless and he was available for guidance or questions. I would not hesitate to use Clear2 Mortgage in the future."
"Alex was absolutely amazing from the beginning. He was patient and thorough with all of our questions. He even followed up after the process was finalized to ensure everything was still good. I would recommend him to everyone!"
"The process was seamless and every question I had as a first-time home buyer was answered. My loan officer gave me his professional opinion based on my specific circumstances to personalize my loan."
Does Clear2 lend in Texas?
Yes. Clear2 Mortgage (NMLS #1911663) is licensed to originate mortgage loans in Texas. Our team operates remotely and serves buyers across Dallas, Austin, Houston, San Antonio, Fort Worth, and other Texas markets. Call (248) 970-0040 or request a rate quote online to get started.
What is the TDHCA My First Texas Home program?
The Texas Department of Housing and Community Affairs (TDHCA) My First Texas Home program provides a 30-year fixed-rate loan paired with up to 5% in down payment assistance. The DPA is structured as a 0% interest deferred second lien or a 3-year forgivable second lien. Eligibility requires a minimum 620 credit score and income within county-specific limits. The program is available to first-time buyers and anyone who has not owned a home in the past three years.
How do Texas property taxes affect my mortgage?
Texas property taxes are among the highest in the country, with effective rates typically running between 1.4% and 2.3%. Those taxes are included in your monthly escrow payment, which means your total housing payment (PITI) will be higher than the principal and interest alone. We calculate the full payment including taxes and insurance upfront so you know your real monthly cost before making an offer.
What is the Texas homestead exemption?
The Texas homestead exemption reduces the taxable value of your primary residence for school district taxes. As of 2025, that deduction is $140,000. Homeowners who are 65 or older or disabled may qualify for additional exemptions that can total up to $200,000 combined. Appraised values are also capped at a 10% increase per year, which limits runaway property tax bills even in rising markets. Veterans who are 100% permanently and totally disabled may eliminate property taxes entirely under Texas Tax Code section 11.131.
Is Texas a community property state and how does that affect my mortgage?
Yes. Texas is a community property state, which means both spouses must sign the deed of trust on a residential homestead even if only one spouse is on the loan. Title and closing requirements differ from non-community-property states, and lenders need to verify the property qualifies as the primary residence under state law. We coordinate directly with title and closing attorneys to make sure this is handled correctly from the start.
What are the best Texas markets for first-time buyers?
San Antonio and Fort Worth tend to offer the most accessible entry price points among Texas's major metros. Houston's Harris County is large and diverse, with pockets of affordability across the suburbs. Dallas and Austin have seen significant price appreciation, though DPA programs like TDHCA MFTH and TSAHC Home Sweet Texas can bridge the gap on down payment. We serve all five metros and can help buyers compare loan options across markets.
Can I get a HELOC in Texas?
Yes. Clear2 offers Texas HELOCs that follow the home equity rules in Section 50(a)(6) of the Texas Constitution, including the 12-day waiting period before closing. You can draw on the line as needed during a 10-year draw period and make interest-only payments. It's a strong option for homeowners looking to fund renovations, consolidate high-interest debt, or cover major expenses without refinancing. See our full HELOC program details.
No obligation, no hard credit pull. Just a clear picture of what you qualify for from an independent broker who works for you, not a bank.
Clear2 Mortgage, LLC. NMLS #1911663. Licensed Mortgage Broker. 2600 W Big Beaver Rd, Suite 100, Troy, MI 48084. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval, property appraisal, and underwriting guidelines. Rates and terms subject to change without notice.
