Financing
Financing options for homes, land, and acreage in Northeast Texas.
Our guides on financing.
What credit score do I need to buy a home?
Conventional loans need 620, FHA accepts 580, VA has no minimum. Higher scores mean better rates. Local lenders may have flexible options.
What is a USDA loan?
Zero down payment for eligible rural properties. Many Northeast Texas communities qualify. One of the best programs for first-time buyers.
Can I finance raw land?
Land loans require larger down payments and have different terms. Local lenders and seller financing are both options in Northeast Texas.
What is PMI and how does it work when buying a home in Texas?
PMI is required on conventional loans with less than 20 percent down. Understand the costs, cancellation rules, and how to avoid it.
What is the difference between pre-qualification and pre-approval?
Pre-qualification is a quick estimate, while pre-approval is a verified lender commitment. Sellers take pre-approved buyers far more seriously.
Explore more answer areas.
Have a question about financing?
Contact us and we will add it to the Answer Book. We answer real questions from real buyers and landowners in Northeast Texas every day.