Conventional Loans in Texas | Fast Close Mortgage

Conventional Loans in Texas — 2026 Limits & How to Apply

Looking for Conventional Loans in Texas? Fast Close Mortgage is a Texas-licensed mortgage lender offering conventional loans with closing timelines as fast as 7 days. Whether you’re in Houston, Austin, or anywhere else in Texas, our team can help you get approved quickly and close on a competitive conventional loans rate. TX conventional loans are popular with the state’s no-income-tax advantage: more buyers can qualify at higher DTI. Most TX counties have conforming loan limits at the baseline.

2026 Conventional Loans Loan Limits in Texas

The 2026 conventional loan limit in Texas is $806,500 in most counties and up to $786,750 in higher-cost areas. The conforming loan limit applies to loans purchased by Fannie Mae and Freddie Mac. Loans above this limit are considered jumbo and have different pricing.

These limits matter because Texas buyers using conventional financing can typically access homes up to the conforming limit with as little as 3% down. For higher-priced properties in Texas, jumbo loans are available from jumbo-specialized lenders with pricing adjustments above the conforming limit.

What credit score do you need for Conventional Loans in Texas?

The minimum credit score for Conventional Loans in Texas is 620 for 3% down. Borrowers with credit scores below 620 (down to 620) can still qualify with 5% down. Most Texas lenders prefer 620+ for the best pricing.

For Texas buyers with credit scores in the 580-619 range, FHA and VA loans are often the best options. Texas buyers with credit scores of 740+ get the best conventional loan pricing. We work with lenders who specialize in non-prime credit profiles and can often find competitive options for Texas buyers across the credit spectrum.

How fast can I close Conventional Loans in Texas?

Fast Close Mortgage closes most Texas conventional loans in 7 to 14 days from a clean approved application. Conventional loan closings are typically faster than FHA, VA, or USDA because they don’t require government-agency-specific processing. Texas conventional buyers can often close in 7 days for straightforward purchases.

Why choose Fast Close Mortgage for Conventional Loans in Texas?

Fast Close Mortgage is a Texas-licensed mortgage lender offering Conventional Loans with closing timelines as fast as 7 days. Here’s why Texas buyers choose us:

Licensed in all 50 states. We serve Texas buyers plus 49 other states with consistent service and pricing.
Dedicated Texas loan officer. Each Texas borrower is assigned a local loan officer who understands Texas-specific market conditions, county loan limits, and closing timelines.
Fast closing. Most Texas Conventional Loans close in 7 to 21 days, depending on the loan type.

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Texas Conventional Loans FAQ

The 2026 conventional loan limit in Texas is $806,500 in most counties and up to $1,209,750 in higher-cost metros. The conforming loan limit applies to loans purchased by Fannie Mae and Freddie Mac. Most TX markets use the baseline limit.

Conventional loans in Texas require as little as 3% down for first-time buyers (HomeReady or Home Possible) or 5% down for standard conventional loans. Texas has no state income tax, which helps buyers qualify for higher loan amounts.

Conventional loans in Texas typically require a minimum credit score of 620. Higher scores (740+) get the best pricing. Most TX lender pricing is competitive due to the state’s large mortgage market.

Yes — conventional loans in Texas can finance 2-4 unit properties if the buyer occupies one unit as a primary residence. Multi-family conventional loans are popular in Houston, Dallas, and Austin for house-hack strategies.

Yes — conventional loans are available throughout Texas including Houston, Dallas, San Antonio, Austin, and Fort Worth. TX is one of the largest conventional loan markets in the U.S.

2026 Conventional Loans limits in Texas

$2,000,000 statewide. Texas has the highest VA loan volume of any state.

What credit score do you need for Conventional Loans in Texas?

620 minimum for 0% down VA loan; lenders often prefer 660+ for best pricing.

How fast can I close Conventional Loans in Texas?

14–21 days for most Texas VA loans. VA appraisal + NOV adds 1–2 weeks.

Why choose Fast Close Mortgage for Conventional Loans in Texas?

Fast Close Mortgage is Texas-licensed; we work with VA-approved appraisers statewide.

Conventional Loans FAQ

What credit score do I need for a conventional loan?

620 minimum for most lenders; 740+ for best pricing.

How much down payment is required?

As low as 3% for first-time buyers (Fannie/Freddie); 5–20% for investment properties.

Can I avoid private mortgage insurance (PMI)?

Yes — with 20% down (or 20% equity in a refinance). PMI is required when LTV exceeds 80% on conventional loans.

What is the difference between conforming and non-conforming loans?

Conforming loans meet Fannie Mae / Freddie Mac limits (2026: $806,500 baseline, up to $1,209,750 in high-cost counties). Non-conforming loans exceed these limits and are called jumbo loans.

Other states

Fast Close Mortgage is licensed in Texas and all other 49 states. NMLS ID available on request. Equal Housing Opportunity.