Financing16 min read
How to Find Assumable Mortgages in Texas (2026 Guide)
Learn how to find assumable mortgages in Texas — FHA, VA, and USDA listings, search tools, and servicer rules for 2026. Talk to Sully in Austin today.
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Financing
15 posts
Financing13 min read
How Much Down Payment Do You Need in Austin, TX?
You don't need 20% down to buy a home in Austin. Learn the real minimums by loan type (3%, 3.5%, 0%), down payment assistance programs, and total cash needed at closing in 2026.
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Financing16 min read
ITIN Loan vs FHA: Which Is Better for You in Texas?
FHA loans need less cash up front but require a SSN. ITIN loans let you buy without a SSN but usually ask for a larger down payment. Compare requirements, costs, and decide which is right for you in Texas.
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Financing10 min read
When to Refinance Your Home in Texas: 2026 Guide
Should you refinance your Texas home in 2026? Current Freddie Mac rates, break-even math, Texas A6 cash-out rules, closing costs, and a step-by-step decision framework for Austin-area homeowners.
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Financing16 min read
Homebuyer Assistance Programs in Texas: Grants, Loans & Help 2026
Complete guide to Texas homebuyer assistance programs in 2026: TSAHC grants, TDHCA deferred liens, MCC tax credits, and local Austin DPA. See who qualifies and how to apply.
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Financing13 min read
USDA Loans in Texas: Buying in Rural Areas Around Austin (2026 Guide)
Complete 2026 guide to USDA loans in Texas. Learn how to buy a home with zero down payment in eligible rural areas around Austin. Income limits, eligible areas, and step-by-step application process.
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Financing11 min read
Can I Buy a House While in Chapter 13 Bankruptcy in Texas?
Yes, you can buy a home during an active Chapter 13 bankruptcy in Texas. Learn the loan options, trustee requirements, waiting periods, and step-by-step process.
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Financing12 min read
Can I Get a Mortgage If I Just Started a New Job?
Yes, you can get a mortgage with a new job. Learn the employment history requirements for FHA, conventional, VA, and USDA loans in Texas — and what documents you need.
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Financing13 min read
What Are FHA Loan Requirements in Texas?
Learn FHA down payment, credit score, MIP, and Austin-area costs for Texas buyers in 2026. Talk with Sully Ruiz to compare your options.
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Financing12 min read
What Is PMI on a Mortgage in Texas?
Learn what PMI means in Texas, when it applies, how removal works, and whether low-down-payment buyers in Austin should avoid it. Book a free consult.
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Financing12 min read
What DTI Do You Need to Buy a House in Texas?
Learn what debt-to-income ratio lenders look for in Texas, how DTI affects loan options, and what Austin-area buyers can do next.
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Financing13 min read
How Can Immigrants Build Credit in the U.S.?
Learn how immigrants can build credit in the U.S. and prepare for homeownership in Texas. Start with Sully Ruiz today.
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Financing13 min read
What Credit Score Do You Need to Buy a House in Texas?
Learn the credit score ranges Texas buyers usually need for FHA, conventional, VA, USDA, and ITIN loans. See your next step with Sully Ruiz.
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Financing13 min read
What Types of Home Loans Are Available in Texas?
Compare FHA, conventional, VA, USDA, jumbo, and ITIN loans in Texas so you can choose the right mortgage for your budget and timeline. Book a free consult.
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Financing16 min read
Down Payment Assistance in Austin and Travis County (2026): Programs, Limits and How to Apply
Compare 2026 down payment assistance in Austin and Travis County: the City of Austin program, TSAHC and TDHCA. Current limits, income rules and next steps.
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