Mortgage Broker · Texas
Your Texas mortgage BFF.
“Big state, personal service.”
Buying or refinancing in Texas? I close a lot of Texas loans — for locals and for folks relocating to the Lone Star State. Independent, honest, and shopping multiple lenders to land you a competitive rate.
Your Texas Broker
A mortgage broker Texas buyers actually enjoy working with
Texas has become a huge part of my business — from first-time buyers to families relocating for work or a lower cost of living. Distance is never an issue: applications, updates, and closings all happen securely online, by phone, or however works best for you.
As an independent broker backed by Barrett Financial Group, I'm not limited to one lender's rates. I shop your loan to find the program and pricing that fit your Texas home purchase.
Whether you're already in Texas or moving there, you get the same honest, hands-on guidance.
— Stef Simmons, Mortgage Broker · NMLS #1607894
Book a Call →Communities I Serve
Home loans across Texas
From the big metros to smaller towns — statewide, and relocation-friendly.
🌆 Houston & DFW
Houston, Dallas, Fort Worth, and the fast-growing suburbs around both metros.
🎸 Austin & San Antonio
Central and South Texas — from Austin's tech corridor to San Antonio and the Hill Country.
🤠 Statewide Texas
Wherever you're landing in Texas, I can help you finance it — locals and relocations alike.
Also lending in the Tri-Cities, WA, Oregon and Idaho. See Kennewick & the Tri-Cities, Portland & Oregon, Idaho, Arizona, or Wyoming.
What I Can Help With
Loan options for Texas buyers
Conventional
Flexible options for buyers with solid credit and steady income.
FHA
Lower down payments and flexible credit — great for first-time buyers.
VA
Zero-down financing and strong benefits for Texas veterans and service members.
USDA
No-down-payment loans for eligible rural and suburban Texas homes.
Jumbo
Financing for higher-value homes above conventional limits.
Refinance
Lower your rate, change your term, or tap into your home's equity.
Texas is big for investors — I also offer DSCR (rental-income) loans, plus bank statement, ITIN, and other non-QM programs. See all loan options →
Trusted by homebuyers across Texas, Washington & Oregon.
Read Google Reviews →Good to Know
Texas mortgage FAQs
Do you do home loans in Texas?
Yes. I'm licensed in Texas and close a high volume of Texas home loans, including for buyers relocating to or already living in the state.
Which Texas cities do you serve?
Buyers all across Texas — including Houston, Dallas–Fort Worth, Austin, and San Antonio — plus smaller communities statewide.
Can you help if I'm moving to Texas from out of state?
Definitely. Relocations are a big part of what I do. I'm licensed in Texas, Washington, Oregon, Idaho, Arizona, and Wyoming, so I can help whether you're moving to Texas or from it.
Last reviewed: August 2026. This page is general education, not financial advice or a commitment to lend.
Let's Talk
Ready to get started in Texas?
Call or text (503) 481-7866, email simmons@barrettfinancial.com, or reach out below.