Texas Mortgage Broker
Move up with a mortgage plan built around you.
11Up helps Texas buyers, homeowners, and investors understand their options, compare appropriate loan programs, and move forward with direct mortgage guidance.
Start with your goal
Find the path that fits your situation
Each pathway explains who it's for, common considerations, relevant program categories, and a recommended next step.
The broker model
Why work with a mortgage broker
A mortgage broker may compare options from multiple wholesale lenders and help you understand rates, fees, and loan structures — with one point of contact.
Personalized comparison of available options
One point of contact through the process
Help interpreting rates, fees, and loan structures
Access to programs that may differ from a single bank's menu
Guidance through documentation and closing
Human review before major decisions
A broker does not always provide lower rates or fees. Available lenders and programs depend on the final brokerage relationships. Eligibility, pricing, and terms depend on the borrower and transaction.
Loan programs
Explore program categories
Plain-language summaries of common program categories. Availability and eligibility vary.
Conventional
A common, flexible option for many borrowers.
Learn more
FHA
A government-backed option often considered by first-time buyers.
Learn more
VA
A benefit for eligible veterans, service members, and qualified survivors.
Learn more
USDA
A program for eligible rural and suburban areas.
Learn more
Jumbo
For loan amounts above conforming limits.
Learn more
Construction
Financing to build a new home.
Learn more
DSCR
An investment-property option based on rental cash flow.
Learn more
Bank Statement
A non-QM option for self-employed borrowers.
Learn more
DPA
Programs that may help with down payment and closing costs.
Learn more
The process
From conversation to closing
A clear, step-by-step view of the mortgage process.
- 1
Schedule a conversation
- 2
Review goals and financial scenario
- 3
Compare appropriate options
- 4
Complete a secure application
- 5
Submit documentation
- 6
Underwriting and conditions
- 7
Final approval and closing
Final approval depends on underwriting review. No approval is implied before underwriting is complete.
Calculator preview
Estimate a mortgage payment
Adjust the inputs to see an estimated monthly housing payment. All calculations run locally — no data is transmitted.
Estimated payment
$3,360/mo
- Loan amount
- $360,000
- Principal & interest
- $2,365
- Property taxes
- $675
- Homeowners insurance
- $200
- Mortgage insurance
- $120
- HOA
- $0
- Total monthly housing payment
- $3,360
Assumptions
Rate is an editable example — not a current market offer. Taxes estimated at 1.8% of price annually. Insurance, MI, and HOA use the values entered.
Important
- Results are estimates only, not a loan approval, commitment to lend, or Loan Estimate.
- Taxes, insurance, and other costs vary by location and transaction.
- Rates and program terms are illustrative and depend on your full scenario.
- A licensed mortgage professional must review your complete situation.
- This tool does not collect or store any personal data.
Who 11Up serves
Pathways for every kind of borrower
First-Time Homebuyer
Buying your first home in Texas.
Move-Up Buyers
Selling and buying your next home.
Veterans
A VA loan pathway for veterans.
Self-Employed Borrowers
Mortgage options for non-traditional income.
Investment Property
Financing investment real estate.
Real Estate Agents
A responsive mortgage partner.
Personal guidance
Work directly with your broker
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Learn
Educational resources
Plain-language introductions to key mortgage concepts.
How Mortgage Pre-Approval Works
What pre-approval involves and why it helps before you shop.
Pre-Qualification vs. Pre-Approval
The difference between two commonly confused early steps.
How Much Cash May Be Needed at Closing
Down payment is only part of what you may bring to closing.
Fixed vs. Adjustable Rates
How rate types differ and what to consider.
Discount Points
Paying upfront to reduce your rate — how it works.
Mortgage Insurance
What mortgage insurance is and when it may apply.
FAQ
Common questions
General answers — not personalized financial advice.
These answers are general and not personalized financial advice. Schedule a call to discuss your scenario.
Ready to talk through your next move?
Schedule a conversation with 11Up to discuss your goals and identify a practical next step.