Buy Your Texas Home With Confidence
Get pre-approved and know your real budget before you shop. We compare multiple wholesale lenders to match you with the right loan, and starting takes no hard credit pull.
Choose your buying path
- Multiple lenders compared
- Takes about 2 minutes
Alexandra Miller
Very professional and informative. Goes the extra mile to help unlike a lot of brokers who just want the sale. I am excited to work with Phil!
Amanda Peters
Ryan and Phil made my mortgage process simple. They walked me through each step, and had great communication throughout. I would absolutely recommend them!
Seth Jacobs
Phil made a deal happen that nobody else could do, because of my self-employment. He was always available for a phone call or text. He is the hardest working guy in the mortgage industry. HIGHLY RECOMMEND!
Joseph
Ryan was unbelievable from start to finish, answering any questions or emails along the way at all hours of the day or night. I would highly recommend him to anyone looking for a mortgage.
Annie Cardley
We had a great experience working with Phil. He was very helpful, always responsive and available, and got us a great rate! He was so quick ensuring a fast and smooth closing.
Shelby Kaubris
Ryan was always available to answer questions we had, was knowledgeable and attentive to details, and made the process from pre-approval to closing very smooth!
Michael Rojewski
Phil is the best mortgage guy you could ever work with. He has a wealth of knowledge and is always 3 steps ahead! He truly loves what he does and it shows.
Chris Schmitt
Ryan was nothing short of perfect for us through the entire process. He's extremely personable and knowledgeable. He's our go-to guy from here on out.
Anthony Abbruscato
Phil and his team are an absolute pleasure to work with. We were first-time home buyers, and it was so helpful to work with a team so knowledgeable. The process was seamless and stress free!
Hannah
Ryan was very helpful and made the process of finding the right mortgage easy! Highly recommend working with him!
Felicity Young
Phil and his team were incredibly helpful from start to finish. Phil is always available to answer questions and works efficiently. He has helped us with two mortgages — I recommend him to everyone!
Jordan Yorks
Ryan went above and beyond helping us not only get the mortgage we needed but assisting with the entire process of buying our first home. Made an otherwise stressful process seamless!
Nick Dassatti
We couldn't have been happier working with Phil. He stayed on top of mortgage rates and made sure we got the best rate possible. Much less stressful than we anticipated!
Devlin Passway
Working with Phil was fantastic. He is very detailed and knowledgeable, always willing to answer any questions no matter the time or day.
Alexandra Miller
Very professional and informative. Goes the extra mile to help unlike a lot of brokers who just want the sale. I am excited to work with Phil!
Amanda Peters
Ryan and Phil made my mortgage process simple. They walked me through each step, and had great communication throughout. I would absolutely recommend them!
Seth Jacobs
Phil made a deal happen that nobody else could do, because of my self-employment. He was always available for a phone call or text. He is the hardest working guy in the mortgage industry. HIGHLY RECOMMEND!
Joseph
Ryan was unbelievable from start to finish, answering any questions or emails along the way at all hours of the day or night. I would highly recommend him to anyone looking for a mortgage.
Annie Cardley
We had a great experience working with Phil. He was very helpful, always responsive and available, and got us a great rate! He was so quick ensuring a fast and smooth closing.
Shelby Kaubris
Ryan was always available to answer questions we had, was knowledgeable and attentive to details, and made the process from pre-approval to closing very smooth!
Michael Rojewski
Phil is the best mortgage guy you could ever work with. He has a wealth of knowledge and is always 3 steps ahead! He truly loves what he does and it shows.
Chris Schmitt
Ryan was nothing short of perfect for us through the entire process. He's extremely personable and knowledgeable. He's our go-to guy from here on out.
Anthony Abbruscato
Phil and his team are an absolute pleasure to work with. We were first-time home buyers, and it was so helpful to work with a team so knowledgeable. The process was seamless and stress free!
Hannah
Ryan was very helpful and made the process of finding the right mortgage easy! Highly recommend working with him!
Felicity Young
Phil and his team were incredibly helpful from start to finish. Phil is always available to answer questions and works efficiently. He has helped us with two mortgages — I recommend him to everyone!
Jordan Yorks
Ryan went above and beyond helping us not only get the mortgage we needed but assisting with the entire process of buying our first home. Made an otherwise stressful process seamless!
Nick Dassatti
We couldn't have been happier working with Phil. He stayed on top of mortgage rates and made sure we got the best rate possible. Much less stressful than we anticipated!
Devlin Passway
Working with Phil was fantastic. He is very detailed and knowledgeable, always willing to answer any questions no matter the time or day.
Texas Loan Options
Mortgages Built for Every Texas Homebuyer
From conventional and VA loans to investor financing, we match your goals with the right lender.
3% Down AvailableConventional Home Loans
Buy a primary residence or move-up property with as little as 3% down and a 620+ credit score.
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Flexible CreditFHA Home Loans
Flexible credit guidelines allowing a 3.5% minimum down payment for buyers with a 580+ credit score.
Learn More
0% Down PaymentVA Home Loans
Eligible veterans and service members can purchase a Texas home with 0% down and no private mortgage insurance.
Learn More
Alternative IncomeDSCR & Self-Employed
Qualify using 12–24 months of bank statements or use DSCR loans based on the property's rental income.
Learn MoreSee Which Texas Loan Fits You Best
Free check takes under 2 minutes — no credit pull, no obligation
Why Texas Homebuyers Count On Make Texas Your Home
Financing for first-time buyers, move-up families, veterans, and investors across Houston, Dallas–Fort Worth, San Antonio, Austin, and El Paso.
Licensed Texas Loan Officer
We Shop Multiple Lenders
As a mortgage broker, Next Wavecompares multiple wholesale lendersso you do not have to apply at several banks to find competitive terms.
Loans for Every Buyer
Whether you are buying your first home, relocating to Texas, self-employed, or building a rental portfolio, we offerloan structures that fit your finances.
Licensed Texas Guidance
Work with alicensed Texas loan officerfor clear answers and dependable pre-approvals, backed by a 4.9 Google rating from past borrowers.
Talk With a Licensed Texas Loan Officer
Free 15-minute call — no obligation, no credit pull
The Texas Homebuyer Playbook
Plain-English guides written by mortgage pros so you can compare Texas home loans and assistance with total confidence.
01Texas FHA Loan Requirements (2026): Credit, Limits & Rules
Review Texas FHA loan criteria, including the 580+ credit score minimum, 3.5% down payment requirement, and property standards.
Read Guide
Conventional Mortgages in Texas: Complete Buyer Guide (2026)
See how conventional financing works in Texas for first-time and repeat buyers, with options starting at 3% down and a 620+ credit score.
Read Guide
Self-Employed & 1099 Mortgage Guide in Texas (2026)
Learn how business owners and independent contractors qualify for a Texas mortgage using 12–24 months of bank statements instead of tax returns.
Read Guide
Requirements to Buy a House in Texas: 7 Rules (2026)
A straightforward breakdown of credit scores, down payments, income documentation, and timelines from pre-approval to closing in Texas.
Read GuideGet Texas Mortgage Rate & Market Updates
See Latest UpdatesHow Make Texas Your Home Works for You
We walk Texas first-time buyers from their first eligibility check all the way to the closing table.
Make Texas Your Home is your straightforward guide to buying a home in Texas.
We don't sell houses. We help you compare Texas home loans built for your budget, from FHA, VA, and conventional to jumbo and DSCR, and work with a licensed Texas loan officer from pre-approval to closing.
Our goal is simple: clear numbers, no surprises, and the keys to your own place in Texas.
See What You Qualify ForFirst-Time & Move-Up
Conventional and FHA loans starting at 3% to 3.5% down.
Learn MoreVA Home Loans
0% down financing for eligible veterans and service members.
Learn MoreTexas Heroes Loans
Dedicated home loan program for teachers, first responders, and veterans.
Learn MoreTexas Home Loan Options
Compare FHA (3.5% down), VA, USDA, and conventional loans
Learn MoreAffordability Calculator
Estimate your monthly payment and buying power in minutes
Learn MoreDSCR Investor Loans
Investment property loans qualified on rental income, not personal income.
Learn MoreLicensed Loan Officer Help
Free 15-minute consultations with no pressure or obligation
Learn MoreStep-by-Step Buyer Guides
Plainspoken walk-throughs from pre-approval to closing day
Learn MoreBank Statement Loans
Qualify with 12–24 months of bank statements, no tax returns.
Learn MoreFrequently Asked Questions
Straight answers to the questions Texas homebuyers ask us most. Still wondering where you stand?
Talk to an ExpertMinimum credit scores depend on the loan type you choose. Conventional loans generally need a 620+ credit score, while FHA loans allow a 580+ credit score with a 3.5% down payment. We review your credit profile across multiple wholesale lenders to find the most suitable fit.
You do not need 20% down to buy a home in Texas. Qualifying buyers can put as little as 3% down on a conventional loan or 3.5% down on an FHA loan. Eligible veterans and active-duty service members can use a VA loan with 0% down.
Once you submit your income and asset documents, pre-approval typically takes 1–3 business days. After you have a signed purchase contract on a home, purchase closings typically take 30–45 days. Getting pre-approved before you shop helps keep your closing on schedule.
Yes, we offer non-QM loan options designed for business owners and investors. Self-employed borrowers can apply for bank statement loans that use 12–24 months of bank statements instead of tax returns. Real estate investors can use DSCR loans, which qualify based on the property's rental income instead of personal income.
A retail bank can only offer its own loan products and pricing. As a licensed Texas mortgage broker, Next Wave compares multiple wholesale lenders on your behalf. This gives you access to a wider variety of conventional, government, and investor loans through a single application.
Ready to Unlock Your Texas Home?
Compare your Texas mortgage options and start your pre-approval online, or schedule a free 15-minute call with a licensed Texas loan officer.
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