Loan Factory - Texas - Ken Harmon
Serving All of Texas

Your Trusted Texas Mortgage Lender

Serving 2,000+ cities across the Lone Star State with competitive rates and personalized service

Welcome to Texas, where everything's bigger - including the opportunities for homeownership! Whether you're looking in Houston's energy corridor, Dallas-Fort Worth's tech hub, Austin's booming market, or San Antonio's historic neighborhoods, we offer competitive mortgage rates and expert guidance across all 254 Texas counties.

30M+
Texas Population
2,000+
Cities Served
0%
State Income Tax
11
Loan Programs

Why Choose Texas for Your Home?

The Lone Star State offers unique advantages for homebuyers

No state income tax maximizes your buying power
Diverse markets from $185K to $1.5M+
Strong job growth across major metros
Master-planned communities statewide
First-time buyer programs available
Military-friendly VA loan expertise

Available Loan Programs

We offer 11 comprehensive loan programs to meet your unique needs

Conventional Loans

Traditional financing with competitive rates

FHA Loans

Low down payment options for first-time buyers

VA Loans

Zero down payment for eligible veterans

USDA Loans

Rural property financing with no down payment

Jumbo Loans

Financing for luxury and high-value properties

DSCR Investment

Rental property and investment financing

Construction Loans

Build your dream home from the ground up

Renovation Loans

Finance purchase and improvements together

Refinance

Lower your rate or tap into equity

HELOC

Access your home equity flexibly

Residential Bridge Loans

Short-term financing between properties

Frequently Asked Questions About Texas Home Loans

Get answers to common questions about buying a home in Texas

Minimum credit scores vary by loan type: FHA loans require 580+, Conventional loans typically need 620+, VA loans may accept 580+, and USDA loans generally require 640+. Higher scores qualify for better rates.

Ready to Start Your Texas Home Journey?

Get pre-qualified today and take the first step toward owning your dream home in Texas