Proven Execution Across Texas. With more than $1.5 billion in funded home loans and 500+ Google reviews, LendFriend Mortgage has built a track record of consistent performance across Austin, Cedar Park, Celina, Houston, and San Antonio. We deliver clean approvals, proactive communication, and dependable closings in competitive Texas markets where execution makes the difference.
Home Loans in Texas from an Austin-based Mortgage Broker
From Austin to Dallas, Celina to Houston, LendFriend Mortgage delivers competitive home loans across Texas. We offer Conventional, VA, Jumbo, and Non-QM financing for buyers and homeowners who want clear guidance, strong rates, and dependable closings in every major Texas market.
Why Texans Choose LendFriend Mortgage For Home Loans
LendFriend Mortgage was founded and is headquartered in Austin, Texas, and serves homebuyers across the entire state—from Austin and Dallas to Fort Worth, Houston, and San Antonio. We originate Conventional, VA, Jumbo, and Non-QM home loans designed around real financial profiles and long-term plans.
As experienced mortgage lenders in Austin Texas with a strong statewide footprint, we understand how different Texas markets move. Whether purchasing a primary residence in Austin, refinancing in Dallas, or buying in Fort Worth, our approvals are built to hold up from contract through closing.
Here’s why Texas borrowers work with us:
- Competitive conventional loan options. A wide range of conforming programs with strong pricing and disciplined underwriting. Whether putting down 3% or 20%, we structure files clearly so underwriting remains predictable and timelines stay intact across Texas markets.
- Specialized jumbo loan pricing for Texas primary residences. In higher-value areas—from Westlake in Austin to Southlake in DFW—we offer jumbo fixed and ARM options with low down payment options and great rates for Texas residents purchasing a primary home, .
- VA and Hero Loan expertise. Eligible veterans and active-duty service members can finance up to 100% of the purchase price with no monthly mortgage insurance. We also offer Hero Loan programs tailored for Texas professionals—including first responders, medical professionals, and other essential service providers—designed to recognize stable income and long-term career strength.
- Non-QM solutions for complex income profiles. For self-employed business owners, investors, and high-asset borrowers across Texas, we offer bank statement programs, asset depletion qualification, and alternative documentation options that reflect real financial strength.
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Mortgage Resources for Texas Buyers and Homeowners
Understanding home financing in Texas takes more than watching rate headlines. Property taxes in Harris County, homestead exemptions in Bexar County, appraisal nuances in Collin County, and shifting loan limits across the state all influence how a mortgage is structured. Buying in The Woodlands looks different than refinancing in McKinney or purchasing in New Braunfels.
LendFriend Mortgage supports Texas buyers and homeowners with competitive Conventional, VA, Jumbo, and Non-QM loan programs — combined with practical insight and disciplined follow-through. From pre-approval to final funding, the priority is preparation, transparency, and smooth closings throughout Texas.
Loan Programs Designed for Any Texas Borrower
With access to hundreds of wholesale mortgage lenders, we offer flexible home loan options structured for how Texans actually earn and build wealth. Whether qualifying with traditional W-2 income, RSUs, business revenue, investment assets, or digital holdings, we match borrowers with financing that reflects their real financial profile — not just what fits into a basic template.
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Conventional Home Loans in Texas
Competitive conforming financing for Texas primary residences, second homes, and investment properties. Fixed and adjustable-rate options are structured with disciplined underwriting and clear approvals — whether you’re purchasing in Austin, Houston, or growing suburbs across the state.
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Jumbo Home Loans in Texas
For higher-value Texas properties, we offer specialized jumbo financing with strong pricing and flexible options. This includes 5% down jumbo programs for qualified Texas residents — a powerful solution for primary homebuyers purchasing above conforming limits. Learn more here:
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Bank Statement Loans in Texas
For borrowers holding Bitcoin or Ethereum, crypto-backed mortgage solutions make it possible to buy a home in California without selling digital assets and triggering capital gains. Purchase real estate while maintaining long-term exposure to your holdings.
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VA Home Loans in Texas
Eligible veterans and active-duty service members can finance up to 100% of the purchase price with no monthly mortgage insurance. We handle full entitlement reviews, VA IRRRL refinances, and purchase transactions across Texas — delivering accurate numbers upfront and dependable closings.
Asset Depletion Mortgages in Texas
For borrowers with substantial liquidity in brokerage or retirement accounts, asset depletion programs convert verified assets into qualifying income. Ideal for retirees, high-net-worth individuals, and buyers between income cycles purchasing in Texas.
Crypto Mortgages in Texas
For borrowers with meaningful digital asset holdings, financing can be structured without liquidating crypto and triggering capital gains. Qualified Texas buyers may secure competitive mortgage terms while maintaining long-term exposure to their digital portfolio.
Professional Mortgages in Texas for Doctors, Lawyers and CPAs
Physicians, dentists, lawyers, accounts and other licensed professionals across Texas may qualify for tailored financing with competitive terms designed around stable, high-income career paths — including options with reduced down payment requirements.
Hero Loans for First Responders, Firefighters & Police Officers
Texas firefighters, law enforcement officers, teachers, and other essential service professionals may qualify for preferred financing programs built to recognize long-term employment stability and community impact.
LendFriend Mortgage serves the following areas in Texas:
Whether you’re relocating to a master-planned North Texas community, purchasing in one of Houston’s established neighborhoods, or buying in the heart of Austin, LendFriend Mortgage helps buyers and investors secure the right home loan for their situation. We offer flexible financing for primary residences, second homes, and investment properties across Texas’ strongest markets — including:
- Austin
- West Lake Hills
- Lakeway
- Bee Cave
- Leander
- Cedar Park
- Georgetown
- Dripping Springs
- Houston
- The Woodlands
- Sugar Land
- Bellaire
- Dallas
- Highland Park
- Plano
- Frisco
- Southlake
- San Antonio
Get Pre-Approved for a Home Loan in Texas
Before making an offer in Austin, Houston, San Antonio, or growing markets like Prosper or New Braunfels, get your financing reviewed properly. In Texas, sellers expect more than a quick pre-qual — they expect a solid, fully vetted approval.
If you’re comparing the best mortgage lender in Texas or looking for a trusted mortgage broker in Texas, focus on how the approval is built. We review income, assets, credit, and overall structure upfront so you know your true purchase range, projected payment, and required cash to close before you write a contract.
Whether you’re using Conventional, Jumbo, VA, Hero, Bank Statement, or Asset Depletion financing, your file is prepared to move cleanly through underwriting. No surprises halfway through the deal.
If refinancing, we evaluate your current loan, equity position, and long-term plans to determine whether a new structure makes financial sense.
Start online or schedule a direct conversation with a Texas-based team that understands property taxes, homestead exemptions, and closing timelines across the state.
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What Our Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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Eric and his team were very helpful in our first time home buying experience. He took the time to walk us through the process and work closely with us in the beginning, answered our numerous questions during, and was able to lock us in with a good rate and close the deal. Thank you!
Shelby Tuinstra
Closed February 2026 -
My wife and I chose LendFriend when financing our first home purchase and we could not be happier with the process. The entire team was so knowledgeable, helpful, and communicative from the initial consultation through closing. We absolutely recommend LendFriend to anyone looking to buy or refinance their home!
Andrew Depies
Closed December 2025 -
Eric Bernstein and Morgan Cunningham at LendFriend made buying our new home an absolute breeze. They were very responsive and got us a great rate. We closed quickly and felt taken care of every step of the way. Highly recommend the LendFriend team!
Ty McCullough
Closed November 2025 -
I had a great experience with Eric and his team for my VA IRRRL refinance! They were incredibly helpful, and we got everything done in just a few weeks with no issues whatsoever. I cannot recommend LendFriend enough, and they will always be my first call for any future needs. Thank you Eric!
Tyler Stearman
Closed April 2025 -
Eric and his team was so amazing! They were so responsive and helped us come up with great strategies along the way! Eric would respond literally at any time of the day and they were able to help us manage a really quick close! We are so grateful for their support!!
Jo Reyes
Closed November 2025 -
LendFriend was referred to me by a colleague and good friend who spoke very highly of them as mortgage brokers, and they absolutely lived up to the recommendation. My husband and I had an outstanding experience working with LendFriend throughout our home-buying journey. Eric, Crystal, and Morgan truly are an A-team! From start to closing, they were incredibly helpful, responsive, and knowledgeable, always taking the time to clearly explain every step of the process. They secured us a very competitive interest rate and made sure we fully understood each detail along the way. I reached out to Eric on 1/13/26 and closed on our home by 2/12/26. They worked seamlessly with our timeline and made the process incredibly efficient. We genuinely felt supported from beginning to end, which made the entire experience smooth and stress-free. We’re so grateful for this amazing team and highly recommend them to anyone looking to purchase a home!
Marny Yap
Closed February 2026
Frequently Asked Questions
Why choose LendFriend Mortgage?
LendFriend Mortgage is a mortgage brokerage built for today’s Texas homebuyers and homeowners. We originate Conventional, Jumbo, FHA, VA, VA IRRRL, and advanced Non-QM loans including bank statement, asset depletion, DSCR, and crypto-backed financing.
What makes us different isn’t just product depth — it’s execution.
As a mortgage broker, we shop multiple wholesale lenders to structure the most competitive option for your scenario. And after your first transaction, we waive lender fees on future loans — because we build long-term relationships, not one-time transactions.
How can I get the best mortgage rate?
Securing a competitive mortgage rate starts with preparation and proper structuring.
Your rate is influenced by several key factors:
- Credit score
- Down payment amount
- Debt-to-income ratio
- Loan program
- Property type
- Market conditions
The strongest outcomes come from aligning these variables strategically. That may mean optimizing your credit utilization, adjusting your down payment structure, or selecting the right loan product for your scenario.
Working with a mortgage broker can also make a meaningful difference, as brokers have access to multiple lenders rather than a single institution’s pricing.
At LendFriend, we focus on delivering a well-structured loan — not just a headline rate — so your financing supports both your purchase and your long-term financial goals.
What’s the first step in getting a mortgage?
The first step is gaining clarity on your financial position.
Before beginning your home search, it’s important to understand:
- How much you can comfortably afford
- Your available down payment
- Your projected monthly payment
- How your income and debt affect qualification
At LendFriend, we begin with a financial review to determine your realistic home shopping budget. From there, we assess documentation, analyze debt-to-income, identify the most appropriate loan program, and issue a strong preapproval.
Approaching the process in this order provides confidence when it’s time to make an offer and helps ensure a smooth path to closing.