My AccountApply Now
Menu

Home / Texas

Texas · Powered by Loan Factory

Texas mortgages, shopped for you.

Jerry Kindig is licensed in Texas. As an independent mortgage broker, we shop your loan across 220+ wholesale lenders, whether you are buying or refinancing in Texas.

Apply with AIShop Rates

Shop Rates works in 48 states through our brokerage. Call or text (480) 526-4505 · Email us

Licensed in Texas

TX
License
Mortgage Company License
License #
320841
Licensed by
Texas Department of Savings and Mortgage Lending
Loan officer
Jerry Kindig, NMLS #2397823

Loan Factory, Inc. license, from our state license list.

  • 220+wholesale lenders shopped
  • 19states Jerry is licensed in
  • 320841Loan Factory's Texas license
  • $2,000Best Price Guarantee on eligible loans
Licensing

Licensed in Texas.

Loan Factory, Inc. (NMLS #320841), the brokerage behind Pick My Mortgage Rate, holds this Texas license. Jerry Kindig (NMLS #2397823) is personally licensed as a mortgage loan originator in Texas.

Loan Factory, Inc. license in Texas, from our state license list:

TEXAS - SML

Mortgage Company License
License#: 320841
Licensed by Texas Department of Savings and Mortgage Lending

Required state noticeConsumers wishing to file a complaint against a mortgage company or residential mortgage loan originator licensed in Texas, or to file a claim against a residential mortgage loan originator licensed in Texas should send a completed complaint form or claim application to the Department of Savings and Mortgage Lending (SML): 2601 N. Lamar Blvd, Suite 201, Austin, Texas 78705; Tel: 1-877-276-5550. Information and forms are available on SML's Website www.sml.texas.gov.

Verify us

NMLS Consumer Access is the official, free lookup for mortgage companies and loan officers.

Jerry on NMLS Consumer AccessLoan Factory on NMLS Consumer AccessAll state licenses
About Texas

Texas mortgage loans and home financing.

Texas has about 31.7 million residents, according to the U.S. Census Bureau's estimate for July 1, 2025. As a licensed mortgage loan originator in Texas (NMLS #2397823) with access to 220+ wholesale lenders through Loan Factory, Jerry Kindig helps you compare loan options, whether you are buying your first home, moving up, refinancing, or investing.

Texas's biggest cities

The 12 largest Texas cities by population. Population: U.S. Census Bureau estimates for July 1, 2025.

  • Houstonpop. 2,397,315Texas's largest city and the fourth-largest city in the U.S., home of Space Center Houston.
  • San Antoniopop. 1,548,422Home of San Antonio Missions National Historical Park, the only UNESCO World Heritage Site in Texas.
  • Dallaspop. 1,329,491Texas's third-largest city and the ninth-largest city in the U.S.
  • Fort Worthpop. 1,028,117Texas's fourth-largest city.
  • Austinpop. 1,002,632The state capital, home of the Texas Capitol and the University of Texas at Austin.
  • El Pasopop. 683,012In far West Texas on Mountain Time, home of Fort Bliss and the University of Texas at El Paso.
  • Arlingtonpop. 402,134Texas's seventh-largest city.
  • Corpus Christipop. 317,247Texas's eighth-largest city.
  • Planopop. 293,028Texas's ninth-largest city.
  • Lubbockpop. 273,071Home of Texas Tech University.
  • Laredopop. 269,515Texas's 11th-largest city.
  • Irvingpop. 257,076Texas's 12th-largest city.

Whether you are buying in Houston, Dallas-Fort Worth, Austin, San Antonio, or a smaller community, we work with borrowers throughout Texas and can walk you through loan options that fit your plans and your property.

Sources: U.S. Census Bureau, Vintage 2025 city population estimates · Space Center Houston · NPS San Antonio Missions · Texas State Preservation Board, Capitol history · University of Texas at Austin · U.S. Army Fort Bliss · University of Texas at El Paso · Texas Tech University · 49 CFR Part 71 (time zones).

Living in Texas

Living in Texas: what homebuyers should know.

A few facts worth knowing before you buy in Texas.

  • No state income taxTexas has no state personal income tax. The Texas Constitution prohibits a tax on the net incomes of individuals.
  • Sales taxTexas's state sales tax rate is 6.25%. Cities, counties, and other local taxing jurisdictions can add up to 2%, for a maximum combined rate of 8.25%.
  • Property tax on your homeTexas has no state property tax; property taxes are local. For a residence homestead, the Texas Constitution exempts $140,000 of market value from school district property taxes.
  • Weather in HoustonHouston (Bush Intercontinental Airport) averages summer highs of about 94°F, winter lows of about 46°F, and about 52 inches of precipitation a year.
  • Weather in El PasoEl Paso averages summer highs of about 96°F, winter lows of about 36°F, and about 9 inches of precipitation a year.
  • Hurricane seasonThe Atlantic hurricane season runs from June 1 to November 30, according to NOAA's National Hurricane Center.
  • Time zoneMost of Texas is on Central Time. El Paso and Hudspeth counties, in far West Texas, are on Mountain Time. Both observe daylight saving time.
  • Military installationsFort Hood sits in Central Texas between Killeen and Copperas Cove. Fort Bliss in El Paso is home of the 1st Armored Division.

Sources: Texas Constitution, Article 8 (Sec. 1-b, 1-e, 24-a) · Texas Comptroller, sales and use tax · NOAA NCEI 1991-2020 climate normals (Houston, El Paso) · NOAA National Hurricane Center · 49 CFR Part 71 (time zones) · U.S. DOT time zone map · NIST, daylight saving time · U.S. Army Fort Hood · U.S. Army Fort Bliss.

Explore

Top Texas attractions.

From the coast to the mountains of Far West Texas, here are seven places to explore.

  • Big Bend National Park

    In Far West Texas, with river-carved limestone canyons, a solitary mountain range, weather-beaten desert, and hundreds of bird species.

  • Guadalupe Mountains National Park

    Protects the four highest peaks in Texas and an extensive Permian fossil reef, with canyons, desert, and dunes.

  • San Antonio Missions National Historical Park

    The only UNESCO World Heritage Site in Texas. Each mission has been a center of community since the early 1700s.

  • Padre Island National Seashore

    Sixty-six miles of wild coastline on a narrow barrier island, along the Laguna Madre.

  • Lyndon B. Johnson National Historical Park

    The story of the 36th president, from his boyhood home in Johnson City to the LBJ Ranch.

  • Space Center Houston

    The official visitor center of NASA Johnson Space Center and a Smithsonian Affiliate.

  • Texas Capitol

    In Austin, on the National Register of Historic Places since 1970 and a National Historic Landmark since 1986.

Sources: NPS Big Bend · NPS Guadalupe Mountains · NPS San Antonio Missions · NPS Padre Island · NPS Lyndon B. Johnson · Space Center Houston · Texas State Preservation Board, Texas Capitol · Travel Texas.

Loan programs

Loan programs for Texas borrowers.

Home loans, investor loans, and equity options, all shopped for you. Eligibility varies by program. All loans are subject to approval.

All loan programs
Tools

Free tools to plan your next move.

Our promise

$2,000 Best Price Guarantee

Close a loan with another lender at a lower combination of interest rate, fees, and monthly mortgage insurance, and we'll send you a $2,000 check.

See how it works

Conditions apply

  • Not available in Washington.
  • Loan amounts of $200,000 or more.
  • Fixed-rate Conventional conforming, FHA, and VA loans on identical loan types.
  • Builder preferred-lender and credit union offers excluded.
  • Additional conditions apply. Read the full terms.

The Best Price Guarantee does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix & Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans. See the full terms.

FAQ

Texas mortgage questions.

Are you licensed in Texas?

Yes. Jerry Kindig (NMLS #2397823) is licensed in Texas, and Loan Factory, Inc. (NMLS #320841) holds Texas Mortgage Company License 320841 from the Texas Department of Savings and Mortgage Lending. You can verify both on NMLS Consumer Access.

Can you help me in Texas if you are not local?

Yes. Jerry is licensed in Texas and works with borrowers by phone, text, email, and online, so you can get started from wherever you are in the state.

Which loan programs can I use in Texas?

Home loans (Conventional, FHA, VA, USDA, down payment assistance, mobile homes, and self-employed Non-QM), investor loans (DSCR, Fix and Flip, and construction), and equity and retirement options (Wealth Builder HELOC and reverse mortgages). Eligibility varies by program, and all loans are subject to approval.

Do you offer down payment assistance in Texas?

Yes. Down payment assistance programs can help bridge the gap, and we pair them with the right loan. Eligibility, income limits, and terms vary by program, so ask us which programs you may qualify for.

Does the Best Price Guarantee apply in Texas?

Yes, for eligible loans. Conditions apply, including loan amounts of $200,000 or more and fixed-rate Conventional conforming, FHA, and VA loans on identical loan types. It does not apply to Down Payment Assistance (DPA), Reverse, Non-QM, DSCR, Fix and Flip, Construction, Mobile, Wealth Builder HELOC, or USDA loans.

Can you help if I am buying in another state?

Jerry is licensed in 19 states: Alaska, Arizona, Arkansas, California, Florida, Illinois, Indiana, Kentucky, Massachusetts, Michigan, Nevada, New Hampshire, North Carolina, Ohio, Pennsylvania, Tennessee, Texas, Utah, and Washington. Loan Factory, the brokerage behind Pick My Mortgage Rate, is licensed in 48 states and the District of Columbia.

Does Texas have a state income tax?

No. Texas has no state personal income tax. Article 8, Section 24-a of the Texas Constitution prohibits a tax on the net incomes of individuals.

What is the sales tax rate in Texas?

The state rate is 6.25%. Local taxing jurisdictions can add up to 2%, for a maximum combined rate of 8.25%, according to the Texas Comptroller.

What time zone is Texas in?

Most of Texas is on Central Time. El Paso and Hudspeth counties, in far West Texas, are on Mountain Time. Both observe daylight saving time.

How do I get started?

Apply with AI, shop rates online, or call or text (480) 526-4505. You can also send us a message with the form below.

Let's talk

Talk with a Texas broker.

Tell us about your plans and a licensed broker will follow up. Prefer to talk now?

Apply with AICall or text (480) 526-4505Email us