Texas is one of the most dynamic housing markets in the country — and one of the most competitive. Whether you’re buying in the DFW Metroplex, relocating to Austin, or settling into a community like Frisco, McKinney, or The Woodlands, having the right mortgage team matters. At First Commerce Financial, we’re a licensed Texas mortgage broker that shops dozens of wholesale lenders to find you the lowest rate available — with no junk fees and full transparency on every cost.
Co-founders Kirk Chivas and Ken Turkington bring 60+ years of combined mortgage experience to every deal. We know how to move fast in competitive Texas markets and how to get deals done efficiently from pre-approval to closing.
Why Choose an Independent Mortgage Broker in Texas?
Wholesale Rates — Not One Bank’s Rate
As an independent broker, we’re not limited to one lender’s products. We shop multiple wholesale lenders and bring you the best rate and terms available for your specific situation — consistently outperforming what a single bank can offer.
No Junk Fees — Period
Texas home prices are significant, and so are mortgage costs if you’re not careful. We don’t charge junk fees — no processing fees, no administrative fees, no made-up charges. You’ll know exactly what your loan costs before you ever commit.
Speed That Matches the Texas Market
In markets like Frisco and McKinney, homes can go under contract within days. Our pre-approvals are backed by real underwriting review — not just a quick online estimate — which means your offer carries real weight with sellers.
Texas Mortgage Programs We Offer
- Conventional fixed-rate mortgages — the most common loan type for Texas buyers
- FHA loans — great for first-time buyers across Texas’s diverse price ranges
- VA loans — for Texas’s large veteran and active military community
- Jumbo loans — for higher-priced properties in Austin, Dallas, and The Woodlands
- USDA loans — available in many eligible suburban and rural Texas communities
- Investment property and DSCR loans — for Texas’s strong rental markets
- Refinances — rate-and-term and cash-out
Texas Cities We Serve
We’re licensed throughout Texas and lend statewide. We have particular depth in:
Dallas / Fort Worth
The DFW Metroplex is one of the largest and fastest-growing metro areas in the country. With millions of residents spread across dozens of cities and suburbs, it’s a complex market that rewards buyers who are prepared. We help DFW buyers move fast with strong pre-approvals and efficient closings.
Frisco & McKinney
Two of the fastest-growing cities in America, Frisco and McKinney consistently attract buyers from across the country seeking quality of life, strong schools, and relative value compared to coastal markets. Competition is fierce — pre-approval speed and lender reliability are critical.
Austin
Austin’s housing market has seen significant price appreciation driven by tech industry growth and in-migration. Jumbo loans are increasingly common here as median prices have climbed well above conforming limits in many neighborhoods. We have strong jumbo lender relationships and work these deals regularly.
The Woodlands
One of the most desirable master-planned communities in the country, The Woodlands attracts buyers seeking a high quality of life in the Houston metro. Strong schools, beautiful amenities, and a range of price points make it one of our most active Texas markets.
What Texas Buyers Should Know
- Texas has no state income tax — a significant financial advantage for buyers relocating from higher-tax states
- Texas has no real estate transfer tax — unlike most other states, which is a cost advantage for buyers and sellers
- Property taxes in Texas are among the highest in the nation — typically 1.5%-2.5% of assessed value annually. We always factor this into your full monthly payment estimate
- HOA fees are common in master-planned communities like Frisco, McKinney, and The Woodlands — we account for these in your qualification
- Texas is an attorney state for closings in some counties — closing costs and timelines can vary by market
Frequently Asked Questions — Texas Mortgage
I’m relocating to Texas from another state — can you help?
Absolutely — Texas attracts buyers from across the country, and relocation purchases are a significant part of our business. We can get you pre-approved before you arrive, help you understand the local market, and close your loan efficiently once you find the right home.
Are property taxes really that high in Texas?
Yes — Texas property taxes are among the highest in the country, typically ranging from 1.5% to 2.5% of assessed value depending on the county and school district. On a $500,000 home, that’s $7,500-$12,500 per year — a significant part of your monthly carrying cost. We always include estimated taxes in your payment so there are no surprises.
Can I get a jumbo loan in Texas?
Yes. With home prices in Austin and some DFW communities well above conforming limits, jumbo loans are common in our Texas business. We have strong wholesale relationships for jumbo financing and handle these deals regularly.
Are USDA loans available in Texas?
Yes — Texas is a large state and significant portions qualify for USDA financing, including many suburban communities outside the major metros. We’ll check any address for USDA eligibility instantly.
How quickly can you pre-approve me?
In most cases, same day or next business day. In fast-moving markets like Frisco and McKinney, having a real pre-approval in hand before you start shopping is essential. We move fast.
Let’s Talk Texas
Whether you’re buying in Dallas, relocating to Austin, or settling into a community like Frisco or The Woodlands — we’re ready to find you the best mortgage available with no junk fees and no runaround.
📞 Call us at (248) 459-5511
✅ Or get pre-approved online — we’ll move fast.
Licensed Texas Mortgage Broker | NMLS #137512
Serving Dallas, Fort Worth, Frisco, McKinney, Austin, The Woodlands, and all of Texas.
