Texas Home Loans

Texas offers tremendous opportunity for homebuyers and real estate investors alike. With no state income tax, a business-friendly regulatory environment, and growing metros across Austin, Dallas, Houston, and San Antonio, Texas has become one of the country’s most attractive markets — and Oso Creek Financial is licensed to serve borrowers throughout the state.

Mortgage Solutions for Texas Homebuyers & Investors

We bring the same full range of loan programs to Texas that we offer in California — including traditional mortgages for primary residences and a comprehensive menu of Non-QM and investor solutions. Whether you’re buying a starter home in the suburbs or building a rental portfolio in the Austin metro, we have the expertise and the programs to get it done.

Loan Programs for Texas Borrowers

Conventional Loans

(statewide)

Jumbo Loans

for high-value TX properties

FHA Loans

accessible financing for TX buyers

VA Loans

for Texas veterans and active military

Bank Statement Loans

for TX self-employed borrowers

DSCR Loans

for TX rental investors

1099 Loans

for TX contractors and commission earners

Fix & Flip and Bridge Loans

for TX real estate investors

Commercial Real Estate

TX multifamily, retail, office, and industrial

Bridge Loans

for TX transitional financing