Texas Real Estate
Learn everything about financing your real estate ventures, from mortgages and home equity loans to commercial loans, private lending, and insurance for investors. Get expert tips to make smart financial decisions and maximize returns.
Last updated: November 23, 2025
Commercial loans can be difficult to get, especially compared to residential mortgages or personal loans, because lenders see them as riskier. Whether it’s “hard” depends on your financial profile, the property or business type, and the lender. Here are the main factors that make them challenging: Why Commercial Loans Can Be Hard to Get When … Read more
Last updated: November 23, 2025
A commercial loan is money that a business borrows from a bank, credit union, or other lender to cover business-related expenses rather than personal needs. Here’s the breakdown: 👉 Example:A developer wants to build a hotel. They take out a commercial real estate loan from a bank, secured by the property itself, to cover construction … Read more
Last updated: November 23, 2025
Buying commercial property with no money down is tough, but not impossible. It usually means being creative with financing, partnerships, or leveraging other people’s money. Here are some of the most common strategies investors use: 1. Seller Financing 2. Master Lease Agreement with Option to Buy 3. Partnerships & Joint Ventures 4. Use an SBA … Read more
Last updated: November 23, 2025
Texas Attorney General Ken Paxton and his wife, Angela, have drawn attention for claiming three separate homes—one near Dallas and two in Austin—as their primary residence on mortgage documents. This designation allowed the couple to secure lower interest rates, potentially saving tens of thousands over the life of the loans, according to public records. Mortgage … Read more
Last updated: November 23, 2025
Key Details: Fact Info Individuals Involved Noreen Khan (aka Noreen Khan-Mayberry), 52, former NASA technical manager; Christopher Mayberry, 53, NASA contractor employee Crime Conspiracy to commit mortgage fraud via false statements and documents Timeline 2016–2021 Scheme – Took large personal loans to fund a luxury home purchase– Defaulted on loans quickly– Falsely claimed identity theft– … Read more
Last updated: November 23, 2025
Key fact: The average 30-year fixed mortgage rate dropped to 6.35%, the lowest in almost a year. Lower rates give buyers more purchasing power, but home prices are still historically high. How Mortgage Rates Affect Buyers Rate Effect on Buyers Notes 6.35% Better than earlier this year Still higher than pre-pandemic levels 5–5.5% “Magic number” … Read more
Last updated: November 23, 2025
The “5-year rule” refers to how FHA mortgage insurance (MIP) works on certain loans: 💡 Where the “5-year” idea comes from:Before 2013, FHA loans let you cancel mortgage insurance after 5 years AND when your loan balance reached 78% of the home’s value. Today, most FHA loans keep MIP much longer unless you refinance to … Read more
Last updated: November 23, 2025
Good news — you don’t have to be “low income” to qualify for first-time home buyer programs in Texas. But there are limits depending on the program and county. 🏠 Typical Income Limits 💵 Texas First-Time Home Buyer Income Limits Single Buyer: $90K–$110K per year Household of 3+: $110K–$140K per year Varies by County: Limits … Read more
Last updated: November 23, 2025
$100,000 Mortgage at 6% (30 Years) At 6% interest, a $100,000 mortgage works out to: 📊 $100,000 Mortgage at 6% (30-Year) Loan Amount: $100,000 Interest Rate: 6% Monthly Principal + Interest: ≈ $600 Estimated Total Payment: ≈ $700–$750 (incl. taxes & insurance) 💡 Trealtorr Tip: If we shop rates and find even a slightly lower … Read more
Last updated: November 23, 2025
❌ What Can Disqualify You from an FHA Loan? FHA loans are flexible, but there are a few common disqualifiers to be aware of: 1️⃣ Low Credit Score 2️⃣ High Debt-to-Income (DTI) Ratio 3️⃣ Bankruptcy or Foreclosure 4️⃣ Unverifiable or Low Income 5️⃣ Property Issues 💡 Trealtorr Take Even if you have past credit issues, … Read more