Texas Mortgage Programs

Every Loan Program.
One Trusted Broker.

Whether you are buying your first home, refinancing, or investing, Aravian Financial has the right loan program for your situation. We shop 20+ lenders to find your best rate.

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Texas Licensed Broker
20+ Lender Partners
No Lender Fees on Select Programs
Equal Housing Opportunity

All Programs

Find the right loan for your situation.

As an independent broker, I have access to programs and pricing that individual banks cannot offer. Here is every loan type I work with.

Most Popular

Conventional Loan

Purchase or refinance with as little as 3% down. The most flexible loan type for buyers with solid credit and stable income.

3% minimum down payment
No upfront mortgage insurance
Loan amounts up to conforming limit
Fixed and adjustable rate options
Learn More Pre-Qualify
First-Time Buyers

FHA Loan

Government-backed financing with flexible credit requirements and a low 3.5% down payment. Ideal for first-time buyers or those rebuilding credit.

3.5% down with 580+ credit score
More flexible debt-to-income ratios
Gift funds allowed for down payment
Available for primary residences
Learn More Pre-Qualify
Military

VA Loan

Exclusive to veterans, active duty service members, and surviving spouses. Zero down payment, no PMI, and some of the lowest rates available.

$0 down payment required
No private mortgage insurance (PMI)
Competitive interest rates
Available for purchase and refinance
Learn More Pre-Qualify
Rural Areas

USDA Loan

100% financing for eligible rural and suburban Texas properties. No down payment required for qualifying buyers in eligible areas.

Zero down payment
Below-market interest rates
Eligible areas across Texas
Primary residence only
Learn More Pre-Qualify
High-Value Homes

Jumbo Loan

Finance luxury homes and high-value properties above conforming loan limits. Competitive rates with flexible terms for qualified borrowers.

Loan amounts above $766,550
Primary, second, and investment homes
Fixed and ARM options available
Competitive wholesale pricing
Learn More Pre-Qualify
Age 62+

Reverse Mortgage

Convert your home equity into tax-free funds with no required monthly mortgage payment. Available for homeowners 62 and older.

No monthly mortgage payment required
Stay in your home
Tax-free proceeds
FHA-insured HECM program available
Learn More Pre-Qualify
Non-QM

Specialty Loans

Non-traditional financing solutions for borrowers who do not fit conventional guidelines. Medical professionals, investors, self-employed, and more.

Non-QM and bank statement loans
DSCR for real estate investors
Medical professional programs
Flexible underwriting criteria
Learn More Pre-Qualify

Side by Side

Compare loan programs at a glance.

Every situation is different. Use this table as a starting point, then talk to Kris about what fits your specific goals.

Program Min Down Min Credit PMI Best For
Conventional 3% 620+ Required if < 20% down Strong credit, flexible use
FHA 3.5% 580+ Required for life of loan First-time buyers, rebuilding credit
VA 0% No minimum (lender varies) None Veterans & active duty
USDA 0% 640+ Annual guarantee fee Rural / suburban Texas
Jumbo 10 - 20% 700+ Varies by lender Homes above $766,550
Reverse N / A No minimum None Homeowners 62+ with equity
Specialty Varies Varies Varies Non-QM, DSCR, self-employed

Conventional

Conventional Loan

A conventional loan is any mortgage not backed by the federal government. It offers the most flexibility in terms of property type, loan amount, and use. With as little as 3% down and no upfront mortgage insurance, it is the top choice for buyers with solid credit.

Once your equity reaches 20%, private mortgage insurance (PMI) is automatically removed, unlike FHA loans where it stays for the life of the loan.

Purchase, refinance, or cash-out
Primary, second home, or investment property
Fixed and adjustable rate options
PMI removable at 20% equity
Gifted funds allowed with documentation
Pre-Qualify for Conventional Loan Get a Rate Quote

Conventional Loan at a Glance

Key requirements and program highlights.

Min Down Payment 3%
Min Credit Score 620+
Conforming Limit $766,550
Common Terms 30 yr / 15 yr
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

Government

FHA Loan

FHA loans are insured by the federal government, allowing lenders to offer more flexible qualification standards. With a minimum 3.5% down payment and credit scores as low as 580, this is the go-to option for first-time buyers and those working to rebuild credit.

FHA loans require mortgage insurance for the life of the loan if you put down less than 10%. For some borrowers, refinancing into a conventional loan later makes sense once equity builds.

3.5% down with 580+ credit score
Gift funds allowed for down payment
Higher debt-to-income ratios accepted
Available for 1-4 unit primary residences
Streamline refinance option available
Pre-Qualify for FHA Loan Get a Rate Quote

FHA Loan at a Glance

Key requirements and program highlights.

Min Down Payment 3.5%
Min Credit Score 580+
Mortgage Insurance Required
Property Use Primary
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

Military

VA Loan

VA loans are guaranteed by the Department of Veterans Affairs and available to eligible veterans, active duty service members, National Guard, Reserves, and surviving spouses. The VA loan benefit includes zero down payment, no private mortgage insurance, and access to competitive rates.

There is no limit to how many times you can use your VA benefit, and in many cases you can have two VA loans at the same time. Kris specializes in helping veterans maximize this hard-earned benefit.

Zero down payment for eligible borrowers
No private mortgage insurance ever
Competitive interest rates vs conventional
Available for purchase, IRRRL, and cash-out refi
No prepayment penalties
Pre-Qualify for VA Loan Get a Rate Quote

VA Loan at a Glance

Key requirements and program highlights.

Down Payment $0
Mortgage Insurance No PMI
Times Used Unlimited
Fee May Apply VA Funding
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

Rural

USDA Loan

USDA loans are backed by the U.S. Department of Agriculture and offer zero down payment financing for eligible rural and suburban properties. A large portion of Texas qualifies, including many areas outside major metro centers.

USDA loans have income limits and property eligibility requirements. Kris will check your address and household income to confirm eligibility before you apply.

No down payment required
Below-market interest rates
Primary residences only
Income limits apply by household size
Property must be in eligible area
Pre-Qualify for USDA Loan Get a Rate Quote

USDA Loan at a Glance

Key requirements and program highlights.

Down Payment 0%
Typical Credit 640+
TX Coverage Eligible Areas
Guarantee Fee Annual Fee
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

High-Value

Jumbo Loan

Jumbo loans finance properties above the conforming loan limit set by the FHFA. In 2024, that limit is $766,550 for most Texas counties. Above that amount, you need a jumbo loan. As a broker, Kris can access wholesale jumbo pricing that beats what most retail banks offer.

Jumbo loans typically require larger down payments (10-20%), stronger credit scores (700+), and more documented reserves. Kris works with multiple jumbo lenders to find the most competitive terms.

Competitive wholesale jumbo pricing
Primary, second home, and investment
Fixed 30-year and adjustable options
Non-warrantable condo programs available
High-balance loans for select counties
Pre-Qualify for Jumbo Loan Get a Rate Quote

Jumbo Loan at a Glance

Key requirements and program highlights.

Loan Amounts $766,550+
Typical Credit 700+
Typical Down 10 - 20%
Rate Options Fixed / ARM
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

Age 62+

Reverse Mortgage

A reverse mortgage allows homeowners 62 and older to convert home equity into cash without selling the home or making monthly mortgage payments. The most common type is the FHA-insured Home Equity Conversion Mortgage (HECM). The loan is repaid when you sell the home, move out, or pass away.

Reverse mortgages are complex products that require careful consideration. Kris will walk you through every aspect including costs, obligations, and how it affects your estate, with no pressure.

Stay in your home as long as you choose
No monthly mortgage payment required
Funds can be lump sum, line of credit, or monthly
FHA-insured HECM program protects heirs
Required HUD counseling included
Pre-Qualify for Reverse Mortgage Get a Rate Quote

Reverse Mortgage at a Glance

Key requirements and program highlights.

Minimum Age 62+
Payment Required No Monthly
Proceeds Tax-Free
FHA-Insured Option HECM
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

Non-QM

Specialty Loans

Not every borrower fits conventional guidelines. Specialty and Non-QM loan programs are designed for self-employed borrowers, real estate investors, medical professionals, foreign nationals, and others with unique financial profiles.

These programs often allow bank statement qualifying, asset depletion, DSCR (debt service coverage ratio) for investment properties, and interest-only options. They typically carry slightly higher rates in exchange for the added flexibility.

Bank statement loans for self-employed
DSCR loans for real estate investors
Medical professional programs up to $2M
Foreign national financing available
Interest-only and jumbo non-QM options
Pre-Qualify for Specialty Loans Get a Rate Quote

Specialty Loans at a Glance

Key requirements and program highlights.

Income Docs Flexible
Investor Option DSCR
Special Programs Med Pro
Underwriting Non-QM
Get a Rate Quote
Rates and requirements are subject to change. All loans subject to credit approval. Not a commitment to lend.
Kris Syevens
Kris Syevens NMLS #566937 · Aravian Financial

Not sure which program is right for you?

Takes 2 minutes. No credit pull. No obligation. Kris will match you to the right program.

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