Your Local Mortgage Lender
Located in Texas
Personalized Mortgage Experience
Tyler Henschel offers personalized service and loan options you'll love. We shop multiple lenders to find the best rate and product for you, getting you into your dream home faster.
With wholesale interest rates and cutting-edge technology, we make the mortgage process seamless. Trust the experts who focus solely on mortgages. Support your local community and experience elite client service.
Let us help you achieve your homeownership dreams!
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Texas.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
Texas First Time Homebuyers: The Down Payment Assistance Program Most People Miss
If you are buying a home in Texas and you have been stuck on the down payment, there is a state program a lot of first time buyers overlook: My First Texas Home, offered through the Texas Department of Housing and Community Affairs (TDHCA).
It is designed to help eligible buyers with down payment assistance and a 30-year fixed, low-interest mortgage option, which can be a big deal when cash is the main obstacle.
Below is a clear breakdown of how it works, who it is for, and what to check before you assume you do not qualify.
What is My First Texas Home?
My First Texas Home is part of the TDHCA Homebuyer Program and is built for first time homebuyers (with some exceptions). TDHCA describes it as offering down payment assistance and 30-year, low-interest mortgage rates.
There are also exceptions to the first-time homebuyer requirement in targeted areas and for qualified veterans, which helps more Texans qualify than many people realize.
What kind of down payment help can it provide?
The program uses down payment assistance options that are often structured as a second lien (and the exact structure depends on the option you select). In the TDHCA rate notice, down payment assistance is commonly shown in tiers like 2%, 3%, 4%, or 5%.
That matters because for many buyers, closing becomes possible when assistance bridges the gap between “I can afford the payment” and “I cannot save fast enough for the cash to close.”
What about the interest rate you mentioned?
Rates change, so the best habit is to check the current TDHCA Rate Notice (it updates as pricing changes).
For example, TDHCA’s Rate Notice dated 1/15/2026 shows a “Bond Funded Loan (FHA, USDA, VA)” with different rates depending on the down payment assistance percentage. One of the published combinations includes 5.875% at the 4% DPA level.
That is why you may hear specific numbers in conversations, but the real takeaway is: the rate is tied to the chosen assistance option and can change with the rate notice.
Do you have to make under $100,000 to qualify?
Not always. A lot of people use “under $100K” as a rough rule of thumb, but TDHCA qualification uses income limits and purchase price limits that vary by location.
TDHCA publishes a limits document showing that income limits differ by county and whether the home is in a targeted area. The document also states the effective dates for limits (for example, one table shows income and purchase price limits effective May 27, 2025).
So instead of guessing, the right move is to check your county and household situation against TDHCA’s published limits.
A big requirement most people miss: homebuyer education
TDHCA requires completion of an approved homebuyer education course to qualify for assistance through the program.
This is usually straightforward, but it can take time, so it is smart to handle it early if you are planning to buy.
One important fine print item: recapture tax
TDHCA notes that My First Texas Home (MFTH) is subject to recapture tax.
Recapture does not apply to everyone, but it is worth understanding before you commit. If you qualify for this program, ask your loan officer to explain how recapture works and when it can apply, and consider checking with a tax professional for your situation.
Who should look into this?
This is worth a quick eligibility check if you are:
A first time homebuyer in Texas
Buying in a targeted area (or you are a qualified veteran)
Able to qualify for the mortgage payment, but short on cash for the down payment
Willing to complete the required homebuyer education
Bottom line
A lot of Texas buyers assume they have to wait years to save a down payment. My First Texas Home is one of the programs that can shorten that timeline when the numbers fit.
If you want me to point you to the current limits for your county and the latest rate notice options, comment TXHOME and I will send the info.
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