— TEXAS
Texas Mortgage &
Home Loan Solutions
Mortgage financing across Texas – from Austin tech communities and Dallas metro luxury suburbs to Texas Hill Country resort properties and wine country vacation investments.
— ABOUT TEXAS HOME LOANS
Texas’ Mortgage
Lending Specialists
Pacific Home Loans provides mortgage financing throughout Texas, including Austin, the Dallas-Fort Worth metro, the Texas Hill Country, Houston, and San Antonio. We offer conventional, FHA, VA, jumbo, portfolio, and Non-QM loan programs structured for Texas’s diverse property landscape and borrower profiles.
Texas has become one of the most dynamic and consequential real estate markets in the United States – driven by a convergence of economic forces that have created sustained demand for luxury, resort, and specialized financing solutions. Texas’s zero state income tax has attracted a historic wave of corporate relocations and high-income individuals from California, New York, and Illinois, anchoring luxury real estate demand across Austin and the Dallas-Fort Worth metro. Austin’s emergence as a world-class tech hub – home to Apple, Amazon, Tesla, Oracle, and a dense startup ecosystem – has created one of the highest concentrations of complex-income tech borrowers in the country. And the Texas Hill Country has developed into one of the most active short-term rental and wine tourism markets in the South, generating consistent DSCR and PrimeResort financing demand from investors across the state and nation. The 2026 conforming loan limit across most Texas counties is $832,750, with many luxury metropolitan transactions requiring jumbo or portfolio financing.
— EXPLORE BY REGION
Texas Tax Advantage &
Corporate Relocation Financing
Texas’s zero state income tax is one of the most powerful financial relocation incentives in the country – and has driven a sustained wave of corporate headquarters relocations, high-income individual moves, and investment capital deployments that have fundamentally reshaped Texas real estate over the past decade. For high-income buyers relocating from California, New York, or Illinois, the elimination of state income tax can represent substantial annual savings — creating a compelling financial case for Texas residency that continues to drive luxury buyer demand across Austin and the Dallas metro.
Major corporate relocations anchoring luxury buyer demand include:
- Austin – Apple, Amazon, Tesla, Oracle, Dell Technologies, and a dense startup and venture ecosystem
- Collin County – Toyota North America, JPMorgan Chase, Goldman Sachs, Liberty Mutual, and dozens of Fortune 500 headquarters
- Dallas-Fort Worth broadly – one of the largest concentrations of Fortune 500 headquarters in the United States
Common financing scenarios for high-income Texas relocators include:
- Jumbo and portfolio loan amounts for luxury primary residences in Austin and the Dallas metro
- Bank statement and asset-based qualification for self-employed business owners and tech executives
- Bridge financing for buyers simultaneously selling California, New York, or Illinois property
- RSU and stock option income documentation for Austin tech sector employees
Collin County
Plano • Frisco • McKinney • Allen • Prosper • Celina
Gillespie County
Fredericksburg • Stonewall • Harper • Texas Hill Country
Travis County
Austin • Westlake Hills • Rollingwood • Bee Cave
— FINANCING OPTIONS
Texas Hill Country Resort &
Vacation Investment Financing
The Texas Hill Country – anchored by Fredericksburg and extending through Wimberley, Marble Falls, and the Guadalupe River corridor – has become one of the most active short-term rental and wine tourism markets in the southern United States. Fredericksburg alone hosts over 100 wineries and has developed a vacation rental infrastructure that draws investors from Austin, San Antonio, Dallas, and across the country seeking strong cash flow and long-term appreciation in a proven market.
Common financing considerations in the Hill Country resort market include:
— POPULAR STARTING POINTS
— REFINANCE
Important: Texas Cash-Out
Refinance Regulations
Texas homestead cash-out refinances are governed by Article XVI, Section 50(a)(6) of the Texas Constitution. These loans are generally limited to 80% loan-to-value, require a mandatory waiting period prior to closing, and are subject to specific fee limitations and eligibility requirements. Additional constitutional provisions apply, including restrictions on loan structure and closing requirements. These rules apply only to Texas homestead (primary residence) properties and do not apply to investment properties.
Borrowers considering a cash-out refinance on a Texas primary residence should discuss the specific requirements and timeline with our team before proceeding.
— FINANCING OPTIONS
Investor & Non-QM
Borrowers in Texas
Texas attracts a high concentration of self-employed borrowers, tech professionals, energy sector executives, business owners, and real estate investors whose income structures benefit from flexible Non-QM qualification programs. The state’s investment property markets – particularly in Austin, the Hill Country, and the Dallas metro – also support strong DSCR financing demand.
Available Non-QM programs include:
— PROGRAM OPTIONS
Full Service Texas
Mortgage Financing
In addition to specialized financing solutions, Pacific Home Loans offers a complete range of traditional agency programs for Texas borrowers:
Conventional
Standard loans for primary residences, second homes, and investment properties meeting Fannie Mae / Freddie Mac guidelines.
FHA Loans
Low down payment financing for eligible primary residence purchases and refinances with flexible qualification standards.
VA Loans
Zero down payment financing for eligible veterans, active-duty service members, and surviving spouses purchasing in Hawaii.
Jumbo Loans
High-balance financing for Hawaii’s elevated property values, including luxury homes and high-rise condominiums.
Non-QM / Alt-Doc
Alternative documentation programs for self-employed borrowers, investors, and complex-income scenarios.
Portfolio Loans
In-house funded portfolio lending for high-value transactions, unique financial profiles, and strategic financing needs.
— WHY PACIFIC HOME LOANS
Pacific Home Loans
Texas Mortgages
- Experience financing Texas Hill Country resort properties, vacation cabins, and DSCR investments
- Expertise with Austin tech sector income documentation — RSU, stock options, and self-employed founders
- Familiarity with Texas homestead cash-out refinance regulations under Article XVI Section 50(a)(6)
- Portfolio and jumbo financing for Dallas metro and Austin luxury relocator transactions
- In-house underwriting and portfolio capital solutions up to $30 million
Pacific Home Loans structures financing solutions that match the complexity of Texas’s real estate market – whether the property is an Austin tech executive’s primary residence, a Collin County luxury estate, or a Fredericksburg wine country vacation rental.
Condo Financing Expertise
Expertise in complex condo, condotel, and financing for California’s resort marketplaces.
In-House Service
In-house underwriting and delegated lending capabilities for faster, better service.
Flexible Borrower Solutions
Experienced with high-value and luxury transactions, offering loan amounts up to $30 million.
Licensed Across 10 States
Hawaii-headquartered with multi-state licensing – serving borrowers wherever their investment journey takes them.
Dedicated Loan Team
Every borrower is supported by a dedicated team from application through closing – not passed between departments.
Streamlined Process
Pre-qualify quickly, upload documents securely online, and e-sign mortgage disclosures from anywhere.
— COMMON QUESTIONS
Texas Mortgage
FAQ
Have a question not answered here? Our team is available to walk through your specific scenario.
