Real rates, real answers,
in about three minutes.
Check your rate with no impact to your credit, then talk to a real loan officer, not a call center. Purchase or refinance, on your timeline.
About 3 minutesNo credit impactNo SSN to start
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Get pre-approved
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A loan for every Texan
Conventional
Solid credit and a little saved? As little as 3% down gets you into a DFW, Austin, or San Antonio home, fixed or adjustable, your call.
FHA
Built for first-time Texas buyers. Lower down payment, room for an imperfect credit file, and a path that does not require a big cushion.
VA
Earned it the hard way. Zero down, no monthly mortgage insurance, and a benefit we walk veterans and active-duty families through start to finish.
USDA
Looking outside the metros, in the Hill Country, Boerne, New Braunfels, or small-town Texas? Eligible homes can go in with 100% financing.
Jumbo
Above the conforming limit on a higher-priced home? We structure larger loan amounts with terms that still make sense on paper.
Refinance
Lower the rate, shorten the term, or pull cash from your equity. We run your real numbers first, and tell you straight if it is not worth it.
Construction
Building from the ground up in DFW, Austin, or the Hill Country? A one-time-close construction loan funds the build and rolls into your permanent mortgage.
Bridge
Found the next home before yours sold? A short-term bridge loan lets you buy now, make a strong non-contingent offer, and repay when your current home closes.
Commercial
Multifamily, retail, office, or mixed-use across Texas. Financing underwritten on the property's income, structured around the deal, not a one-size formula.
Hard Money
For Texas investors who need to move fast. Asset-based funding sized to the deal and the property's value, built for fix-and-flip and quick acquisitions.
Lending that respects your time and your trust
- A real loan officer, not a call center
- Texas-licensed and Texas-local
- Straight answers in minutes, not days
- Clear costs, no surprise fees
“You’ll have my cell, not a ticket number. I’ll tell you what your loan actually costs, walk you through the numbers, and pick up when you call. That’s the whole job.”
Ryan FelixApex Capital Mortgage
A real person, from first call to closing
Every Apex client works directly with a licensed Texas loan officer who answers questions, explains every number, and stays with you until you have the keys.
Find your loan officerThree steps, no runaround
Get your rate
Three minutes, a few questions, no credit pull. You see real numbers before anyone calls you.
Talk to a real loan officer
A Texas-based human reviews your options, conventional, FHA, VA, the works, and tells you straight which one fits.
Close with confidence
Clear costs, no last-minute surprises, on your timeline. We close when you're ready to close.
Credentials you can verify, promises we keep
No invented reviews. No fabricated rankings. Just a state-licensed Texas lender you can look up, a loan officer who picks up the phone, and a process with no hidden costs.
State-licensed in Texas
Licensed by the Texas Department of Savings and Mortgage Lending. Verify our NMLS record on the NMLS Consumer Access public registry at any time.
Check your rate, no credit impact
Our initial rate quote uses a soft inquiry only. Your credit score is not affected until you choose to move forward with a full application.
A real loan officer, not a call center
You work directly with a licensed Texas mortgage professional from first quote to clear to close. One point of contact, available by phone or text.
Serving all of Texas
Based in Texas and licensed statewide, from Dallas-Fort Worth and Houston to San Antonio, Austin, and the Hill Country.
Ready to see your rate?
Get a real pre-approval from a Texas loan officer who picks up the phone, with no credit-pulling games and no surprises at closing.