Texas mortgages
The key to your Texas home is the right loan.
Buying, refinancing or tapping equity — we compare loan options for your situation and walk you through every step to closing.
Loan programs
A loan for how you live and earn.
Conventional loans
Flexible, widely used financing for primary homes, second homes and investment properties.
Learn more →
FHA loans
Lower down payments and flexible credit requirements — one of the most accessible paths to owning.
Learn more →
VA loans
$0 down and no monthly mortgage insurance for eligible veterans, service members and their families.
Learn more →
Jumbo loans
Financing above conforming loan limits for higher-priced homes — up to $10M.
Learn more →Non-QM loans
Alternative qualification paths when your income does not fit standard guidelines.
Learn more →
Foreign national loans
Mortgage options for international buyers purchasing a second home or investment property.
Learn more →
Bank statement loans
Designed for self-employed borrowers — eligible programs evaluate bank deposits instead of tax returns.
Learn more →
Self-employed programs
Being your own boss should not make financing harder — we compare every qualification path.
Learn more →
DSCR loans
Built for real estate investors — qualify on the property's rental cash flow, not personal income.
Learn more →
Investment property loans
Financing for rentals, second homes and portfolio growth.
Learn more →
HELOC & home equity
Access your equity without automatically giving up your first mortgage — under Texas home equity rules.
Learn more →Refinance
Lower your rate, shorten your term or access equity by replacing your current loan with a better-fitting one.
Learn more →How it works
From first question to closing table.
Tell us your goal
Buy, refinance or use equity — a short form or a call.
We compare options
Programs and loan structures side by side for your numbers.
Get your pre-approval
A letter you can send with your offer, and your real payment.
Close with confidence
We coordinate with your Realtor and the title company to the finish.
Why local knowledge matters
Texas mortgages work a little differently.
We build these rules into your plan from the first call, so nothing surprises you at closing.
Start with a pre-approvalHome equity has its own rules
Texas home equity loans and most cash-out refinances follow Section 50(a)(6) of the Texas Constitution, with a cap on total borrowing against the home and a waiting period before closing.
Title premiums are set by the state
The Texas Department of Insurance sets title insurance premiums, so the policy price does not change from one title company to the next.
The option period
Texas buyers can pay an option fee for a set number of days to inspect and walk away for any reason — timing your pre-approval around it matters.
Taxes drive the payment
No state income tax, but property taxes vary widely by city, school district and MUD. We quote the full payment, not just principal and interest.
Educational course · TA-Next Academy
First-Time Home Buyer Strategy
A step-by-step guide to mortgage financing, down payments, credit scores and building the right financial strategy before you buy your home.
Your loan officer
Talk to a person who answers the phone.
Anatoliy Kanevsky leads West Coast Capital Mortgage Inc.. Call, text or send a request — you get a straight answer about what you qualify for and what it will cost.
Talk to us
West Coast Capital Mortgage Inc. · NMLS #2817729 · Equal Housing Opportunity
Your Texas home starts with the right loan.
Tell us your goal and we will come back with clear options and real numbers.