Choosing the right loan program is one of the biggest decisions in the homebuying process. Here are the top options every Texas buyer should understand:
Conventional Loans – Great for strong-credit buyers, offering competitive rates and 3% down.

FHA Loans – Ideal for first-time buyers with flexible credit requirements and low down payments.

VA Loans – Zero down, no mortgage insurance, and incredible rates for qualifying veterans and military families.

USDA Loans – Zero down for rural and suburban homes, available across many Texas communities.

Jumbo Loans – Designed for higher-priced properties, popular in Austin, Dallas, and Houston.

Bank-Statement Loans – Perfect for self-employed buyers who need alternative income verification.

Down Payment Assistance – Texas offers several programs to help reduce upfront costs.

At Oasis Home Mortgage, we help you compare multiple lenders and programs—not just a single bank’s offerings. With 23 years of experience and access to dozens of loan options, we tailor financing to your unique situation so you can buy with confidence.

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