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Mortgage answers. Clearly explained.
Practical education for Texas homebuyers, homeowners, investors, and self-employed borrowers. Explore our latest guides below.
FHA • VA • Conventional • DSCR • Self-Employed Borrowers • Credit Challenges • Texas Mortgage Questions
Texas Homebuying: How to Read Your Loan Estimate and Cash to Close
Understand your Loan Estimate, payment components, closing costs, credits, and cash to close before buying a Texas home. Includes a simplified example.
FHA Down Payments in Texas: What 3.5% Does—and Does Not—Cover
FHA financing may allow 3.5% down, but closing costs and prepaid expenses also affect cash to close. See a $300,000 purchase example and questions to ask.
VA Loans in Texas: No Down Payment Does Not Mean No Closing Costs
Understand VA eligibility, funding fees, exemptions, and closing costs before relying on a zero-down purchase. Includes an illustrative $400,000 example.
Conventional Mortgages: What Texas Buyers Should Know About PMI
Learn how conventional mortgage PMI affects your costs, when cancellation may be possible, and what to compare before choosing your down payment.
Self-Employed Mortgages: Why Business Revenue Is Not Qualifying Income
Business revenue is not automatically mortgage qualifying income. Learn how expenses, documentation, cash flow, and lender rules affect self-employed borrowers.
The Mortgage Standard Group, LLC • Company NMLS #2795757 • 4616 Gibson St, Houston, TX 77007.
Ross Monsen, NMLS #1579300 • 713-705-2889 • ross@thestandard.mortgage.
Educational information only; not a commitment to lend. All loans subject to eligibility, underwriting, property, and lender requirements.
Licensed in Texas by the Department of Savings and Mortgage Lending • Texas SML Mortgage Company License • Equal Housing Opportunity.
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