Texas-sized homes. Texas-sized savings.
Altgage is a licensed Texas mortgage broker. We shop multiple lenders, offer TSAHC down payment help, and answer the phone, from Houston to El Paso.
Same-Day Pre-Approval
15–20 Day Close
One Application, Multiple Options
A Top Line Overview
Local Market Snapshot
Typical Home Value
$303,000
Source: Zillow.com
As of June 2026
Median Days on Market
82 Days
Source: Redfin
As of March 2026
Median Household Income
$79,700
Source: U.S. Census Bureau
2024 data
Where We Lend:
Houston, Dallas–Fort Worth, Austin, San Antonio, and El Paso. Texas has more homes for sale than it did a few years ago, so buyers have room to negotiate. We help you turn that into seller credits and a lower rate.
What We Finance
Whatever You're Financing in Texas
Buying a home
Buying your first or next home? Same-day pre-approval, plus help negotiating seller credits toward your rate or closing costs.
Refinance
Lower your rate, change your term, or pull cash out. We'll show you the math before you commit.
HELOC
Tap your equity and keep your low first-mortgage rate. Texas caps home equity borrowing at 80% of your home's value, and we'll show you exactly what you can access.
Investment properties
Qualify on the property's rental income with a DSCR loan, not your tax returns. We compare 5+ DSCR lenders across Texas.
You may need less upfront than you think.
Down Payment Help in Texas
TSAHC programs help Texas buyers cover the down payment, including educators, first responders, corrections officers, and veterans.
Homes for Texas Heroes
Down payment assistance from TSAHC for Texas educators, police, firefighters, EMS, corrections officers, and veterans. Income limits apply.
- For educators, first responders, corrections officers, and veterans
- Down payment help up to 5% of the loan amount
Home Sweet Texas Home
Down payment assistance from TSAHC for low- and moderate-income Texas buyers in any profession. Income limits apply.
- Open to buyers in any profession
- Grant or forgivable second-lien options
TSAHC sets each program's income limits and terms, and they change. We'll check what you qualify for before you apply. Altgage does not administer these programs.
The Altgage Difference
Why a one-stop tech brokerage beats your bank every time
1
1 day Pre-approval
Submit and get moving the same day — not "a loan specialist will get back to you.
15
15 day closings
A process built to close in days, not the industry-standard month-plus.
0
0 spam calls
No autodialers, no call center — one licensed broker who actually answers the phone.
10+
10+ lender options
We shop 10+ lenders on your loan, so you see more than one bank's price.
A trusted partner for mortgage originations
We work with the best in the business
Realtor partners
We work with agents across Texas
We partner with buyer's and listing agents statewide who need a trusted partner on the journey home.
Don't see your city? We lend across all of Texas
Client reviews
Real reviews, straight from Google
Frequently asked questions
You’ve got questions, we’ve got answers
Yes. We offer TSAHC's Homes for Texas Heroes and Home Sweet Texas Home programs, which give down payment help to eligible buyers within income limits. Texas also runs My First Texas Home through TDHCA, which works through its own participating lenders.
Texas limits home equity loans, HELOCs, and cash-out refinances on your primary home to 80% of its value, counting your existing mortgage. These loans also follow special Texas rules on timing and fees. We'll show you how much you can access before you apply.
Yes. Texas has no state income tax, but property tax rates are higher than in many states, and they usually go into your monthly escrow payment. We include them in every payment estimate so there are no surprises.
Yes. A DSCR loan qualifies you on the property's expected rent instead of your personal income. We compare 5+ DSCR lenders to find your best rate.
Most of our loans close in 15 to 20 days. Pre-approval usually happens the same day you apply.
