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Texas Home Loans | VA, FHA, DSCR, Construction & More

Adam Bartling is a Texas mortgage broker — not a bank. We shop multiple lenders so they compete for your business, giving you the best Texas mortgage rates without the bank runaround. From first-time buyers to seasoned investors, your dedicated team is here every step of the way.

📍 Serving All of Texas

0–5%
Down Payment Options
580+
Min. Credit Score
100%
Texas Focused
LET’S TALK
Happy Texas family relaxing at home with their dog — Texas mortgage broker Adam Bartling helps families achieve homeownership

Check Your Numbers in About 60 Seconds

See If You Pre-Qualify for a Texas Home Loan

Enter a few numbers for an instant estimate of your monthly payment and debt-to-income range. No credit check, no email required to see your result.

Please fill in your income and the dollar amounts.
Adam Bartling | Texas Mortgage Broker · Loan Officer NMLS# 2213358 · Equal Housing Lender. This tool provides a general estimate for educational purposes only — not a rate quote, an offer, or a commitment to lend. All loans are subject to credit approval and underwriting.
🎖️

Veteran-Owned

Retired U.S. Army Captain

🤝

We Work for You

Not a bank — multiple lenders compete

📚

Education-First

No upfront credit check required

⭐

Lender for Life

Annual real estate review included

Texas Home Loan Programs

From first-time buyers to experienced Texas investors, we have financing solutions for every situation. Here are our most popular Texas mortgage options.

🏠

Home Purchase

Buying a home in Texas? We’ll find the right loan with competitive rates on VA, FHA, Conventional, and more.

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FEATURED
🎖️

VA Home Loans

$0 down, no PMI, lowest rates. Exclusive benefits for Texas veterans, active duty, and eligible spouses.

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🏛️

FHA Loans

Only 3.5% down with credit scores as low as 580. Perfect for first-time Texas homebuyers.

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Conventional Loans

As low as 3% down. Competitive rates for Texas buyers with strong credit. Primary, second homes, or investment.

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Refinance

Lower your rate, reduce payments, or access your Texas home’s equity. Rate-and-term or cash-out options.

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📊

DSCR / Investor Loans

Qualify on rental income, not W-2s. Build your Texas investment portfolio with flexible financing.

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Construction Loans

Build your dream home in Texas. One-time close options, land + construction packages, and VA construction available.

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🔑

First-Time Homebuyer

Texas programs with down payment assistance, education resources, and low-rate options for new buyers.

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💰

Equity Loans / HELOC

Tap into your Texas home’s equity for renovations, investments, or debt consolidation.

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Also available: Cash-Out Refinance  •  Reverse Mortgages

How It Works

Getting a Texas home loan doesn’t have to be complicated. Here’s our simple, stress-free process.

1

Free Consultation

We discuss your goals and evaluate your options. No credit check required to start.

2

Find Your Loan

We match you with the right loan program and shop multiple lenders for the best rate.

3

Get Approved

Your dedicated team guides you through underwriting and all the way to closing.

4

Celebrate!

Close on your Texas home and get the keys. We’re your lender for life.

🌟 What Clients Say — Verified Google Reviews

Real reviews from the Bartling Lending Partners Google Business Profile. ⭐ 5.0 average.

★★★★★

“Adam and I served together in Iraq, 2005-2006. He’s a knowledgeable guy in the lending field and fully understands how the VA works when it comes to veterans.”

Clifford Joe

Verified Google Review
★★★★★

“Adam is a great, hard, dependable worker and very good to work with. He always looks out for his customers – highly recommend! He will do whatever it takes to get you approved for a new home!”

Kathaleen Megan Ainsworth

Verified Google Review
★★★★★

“Excellent communication throughout the process. I would definitely recommend Bartling Lending if you’re looking for a great lender to get the deal done!”

Natasha Camacho

Verified Google Review
Texas family spending time together at home — a Texas mortgage broker success story

Making Texas homeownership dreams come true

Frequently Asked Questions

Tap any question below to expand the answer.

What types of home loans do you offer in Texas?+
We offer the full range of Texas home loan programs: VA loans for veterans and active duty, FHA loans with 3.5% down, Conventional loans starting at 3% down, DSCR loans for investors, residential construction loans, refinance and cash-out refinance, home equity loans and HELOCs, first-time homebuyer programs, and reverse mortgages. We shop multiple lenders to find you the best rate and terms for your situation.
Which Texas cities and markets do you serve?+
We serve homebuyers and homeowners across all of Texas — from Houston, Dallas, San Antonio, Austin, Fort Worth, and El Paso to military communities like Killeen and Fort Hood, Fort Bliss, and Joint Base San Antonio. Wherever you are in Texas, across all 254 counties, our team can help.
Is there an upfront credit check to talk with you?+
No. We do not run a credit check just to have a conversation. We start with your goals, your timeline, and what you want your monthly payment to look like. A credit pull only happens later, with your permission, when we are ready to formally pre-approve you.
What credit score do I need to buy a home in Texas?+
It depends on the loan program. FHA loans can go as low as 580. Conventional loans typically start at 620. VA loans have no set minimum from the VA itself, though most lenders look for 580 to 620. We work with multiple lenders, so even if one says no, another may say yes.
How is a mortgage broker different from a bank?+
A bank only offers its own loan products. We shop multiple top lenders and let them compete for your business. That usually means better rates, more loan options, and more flexibility if your situation is not cookie-cutter. We work for you, not for a bank.
Do you work with first-time homebuyers?+
Yes, that is a big part of what we do. We take an education-first approach. We walk you through how mortgages work, what you can afford, what programs you qualify for, and what to expect at closing. We also help connect you with first-time buyer programs and down payment assistance where available.
Can you help with VA loans in Texas?+
Absolutely. Adam is a retired U.S. Army Captain, and VA loans are a core focus of our team. We help Texas veterans, active duty service members, National Guard, Reservists, and eligible spouses use their VA benefit for purchase or refinance. Note that under Texas Section 50(a)(6), VA cash-out refinances are not available in Texas.
How long does it take to close on a Texas home loan?+
Most purchase loans close in 21 to 30 days from contract. Refinances typically take 30 to 45 days. Construction loans run longer because of the build timeline. Your file moves faster when we have everything we need up front, so we are organized about document requests from day one.
What documents do I need to get pre-approved?+
Standard documents include the last two years of tax returns, two years of W-2s or 1099s, the most recent two pay stubs, two months of bank statements, and a copy of your ID. Self-employed borrowers may need additional business returns. VA borrowers need a Certificate of Eligibility, which we can help you pull.
How do I get started?+
Click any LET’S TALK button on this page to reach our contact form, or call us directly. We will set up a free, no-pressure consultation to talk through your goals and walk you through your options. No credit check required to start the conversation.

For Real Estate Professionals

We partner with Texas realtors and builders to ensure smooth transactions. Organized pre-approvals, clear communication, and a dedicated team on every file.

Happy Texas family together at home — your dream home awaits with Texas mortgage broker Adam Bartling

Your Texas Dream Home Starts Here

Whether you’re buying your first home, refinancing, building, or growing your investment portfolio — Adam and his team are here to guide you every step of the way.

📍 Serving All of Texas

Free consultation  •  No obligation

Serving All Major Texas Markets

Houston San Antonio Dallas Austin Fort Worth El Paso Arlington Plano Frisco McKinney Katy Sugar Land Killeen Corpus Christi All 254 Texas Counties

Use our Mortgage Calculator to estimate your monthly payment, or check out our Blog & Tips for homebuying advice.

Adam Bartling | Texas Mortgage Broker  ·  Loan Officer NMLS# 2213358  ·  Serving Texas  ·  Equal Housing Lender

👋 Questions about a Texas mortgage? Ask me — no credit pull.