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.
The Texas mortgage broker simplifying home loans.
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.
Responsive Support. Reliable Execution.
A Transparent Mortgage Experience.
As a mortgage broker, LendFriend Mortgage works with over 40 wholesale lenders to compare loan programs instead of forcing borrowers into a single lender's products. We help you find the right fit, not just the easiest approval.
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 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.
- Second Home Mortgages for Texas Residents. We offer competitive second home mortgages for Texas residents, with portfolio options deliver rates equal to or slightly higher than mortgage rates for primary residence pricing for qualified borrowers. Loan amounts up to $3 million, strong pricing tiers at 20–25% down, and strategic fixed or ARM options available.
- 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 with great rates 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
Texas is home to a large number of entrepreneurs and small business owners who may not qualify easily through traditional mortgage programs. Bank statement loans in Texas allow borrowers to use bank deposits instead of tax returns to qualify for a home loan.
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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.
DSCR Loans in Texas
Texas real estate investors are increasingly using DSCR loans to qualify based on rental property cash flow instead of traditional income documentation. Whether purchasing long-term rentals in Austin or short-term rental properties in Houston and Dallas, DSCR financing helps investors scale portfolios with financing designed around property performance, not the investor's personal income.
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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BORROWER TESTIMONIALS
See Why Texas Borrowers Choose LendFriend Mortgage
From first-time homebuyers and business owners to jumbo borrowers and clients with complex income, see what borrowers across Texas say about working with LendFriend Mortgage.
★★★★★
“I highly recommend LendFriend! They helped me understand every step throughout the process. I had a direct contact for any questions I had in real time. Customer service is top notch. They handled all of the hard things so that we could find the right home. They really cared about getting the right financing option us and help us get a solid rate. I’ll recommend LendFriend to anyone I know who is looking for a home.”
“Super impressed with how fast and smooth the whole process was — especially given my complex RSU comp structure that traditional banks kept discounting.
Eric and the team had no problem including my full base + RSU compensation. They were extremely fast, set clear expectations from the start, and followed through on everything they promised.
Honestly one of the easiest and most stress-free mortgage experiences I’ve ever had. Highly recommend!”
“Financing a home with acreage and unconventional retirement income can be overwhelming, but LendFriend Mortgage made the process smooth from beginning to end.
They were always quick to respond, answered every question we had, and explained each step in a way that was easy to understand. We always had direct access to the people actually working on our loan, which made the experience much less stressful.
What really stood out was that even after the loan funded, they continued helping and making sure we understood the next steps. There was never a feeling of “the loan closed, good luck.”
We truly appreciated the patience, communication, and support through the entire process and would absolutely recommend LendFriend Mortgage, especially for anyone with a unique financial situation or rural property purchase.”
“As a 1099 worker with non-traditional income history, Eric was able to think outside the box and help me find a mortgage for my first home. The company was always problem-solving and the process was seamless. I have already recommended them to several other friends and colleagues. If you are a non-traditional borrower or are looking for someone that can come up with creative solutions, check out LendFriend!”
“Eric and the team at LendFriend were an absolute pleasure to work with. Having had terrible experiences in the past with national/online brokers, I wanted a local broker who I could build trust with. The team was always proactive in making sure the next steps were lined up and executed, it was never on me to guess what needed to happen. Eric answered texts off hours and helped me navigate unusual pathways - cross country move, potential job change mid-process, etc... Eric also introduced me to a terrific real estate agent who found us our dream house. A+ experience.”
“Eric, Morgan, Crystal, and the entire LendFriend team were the perfect mortgage partners for us. They were incredibly informative, supportive, flexible, and understanding throughout the process. Every question we had was met with clear answers and thoughtful guidance, and they kept us proactively updated at every step. After comparing a few different lenders, we realized that working with a brokerage was the best choice. I highly recommend them for their transparency, speed, and excellent execution end to end.”
“I had an exceptional experience with LendFriend Mortgage! From start to finish, the team made the process smooth, transparent, and stress-free. They took the time to explain every detail, answered all my questions promptly, and ensured I felt confident every step of the way. The customer service was outstanding—friendly, professional, and genuinely focused on helping me get the best possible rate. My closing was quick and seamless, and I couldn’t be happier with the outcome. I highly recommend LendFriend Mortgage, Eric, and Chelsea to anyone looking for a reliable and trustworthy lender!”
“Eric and LendFriend saved the day! We had a lender who struggled so terribly that the sellers were willing to put their property back on the market. Our realtor pulled the deal from the ashes and we chose LendFriend to make it right quickly. We closed a million plus VA loan in 3 weeks and now have our forever home. Thank you LendFriend, Eric, and Morgan!”
5/5 Star Reviews on Google, Zillow, and Experience.
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.