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# NORTEX MORTGAGE | Texas Mortgage Lender | Purchase & Refinance Rates: As a leading mortgage lender in Texas, Nortex Mortgage is dedicated to providing premier mortgage financing services to our valued clients. We understand the importance of finding the right mortgage, and our team of experienced Texas loan officers are committed to making the mortgage application process seamless and stress-free for you.

Are you looking to Purchase or Refinance a home in Texas?  With our extensive expertise, we offer tailored mortgage financing solutions, including CONVENTIONAL, FHA, VA, USDA, and JUMBO loan programs that cater to your unique financial requirements.

## Sitemaps
[XML Sitemap](https://nortexmortgage.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [State and Local Housing Programs in Texas](https://nortexmortgage.com/state-and-local-housing-programs-in-texas/): Discover state, county, and local government programs that provide financing options with relaxed guidelines, lower fees, and fixed interest rates for first-time homebuyers.
- [Texas USDA Loans](https://nortexmortgage.com/texas-usda-loans/): Backed by the U.S. Department of Agriculture, USDA loans are tailored to assist individuals and families seeking to settle in the state's rural and suburban areas.
- [Comparing 15-Year and 30-Year Mortgages: Purchase or Refinance](https://nortexmortgage.com/comparing-15-year-and-30-year-mortgages-a-comprehensive-guide-for-purchase-and-refinance/): When it comes to homeownership, understanding the key distinctions between a 15-year and a 30-year mortgage is crucial for both current homeowners and potential homebuyers. While both fixed-rate mortgages share similar structures, adjusting the loan term can significantly impact the interest rate and monthly payment amount. Let’s explore the advantages and considerations of each mortgage loan option so that you can make a well-informed decision that aligns with your unique financial needs and goals.
- [The Importance of a Good Credit Score When Applying for a Mortgage Loan](https://nortexmortgage.com/the-importance-of-a-good-credit-score-when-applying-for-a-mortgage-loan/): When you're looking to purchase a home, your credit score is an essential factor to consider and may affect your ability to secure a mortgage loan. Your credit score is a number from credit agencies that lenders use to determine your creditworthiness and financial risk. Higher credit scores increase your chances of being approved for a mortgage loan and lower the interest rate you'll likely receive.
- [Mortgage Loans | ARM vs Fixed Rate](https://nortexmortgage.com/mortgage-loans-arm-vs-fixed-rate/): When buying a home, there are many important decisions, and one of the biggest is choosing between a fixed-rate and an adjustable-rate mortgage loan. These two options make up the majority of loans, but there is also a third type of mortgage loan, the hybrid ARM, which offers a mix of features from both. Understanding the differences between these loan types is crucial to making the best decision for your financial situation.
- [Proof of Income for a Mortgage](https://nortexmortgage.com/proof-of-income-for-a-mortgage/): Income verification is an essential part of applying for a home loan. But there's more to providing proof of income than just handing over a couple of pay stubs. You need to be able to show your earnings are stable. When making a down payment, you may have to be able to reveal the source of that money as well.
- [How does a cash-out refinance work?](https://nortexmortgage.com/how-does-a-cash-out-refinance-work/): Homeownership is one of the most significant financial decisions you can make. But beyond providing shelter and comfort, your home can also be a valuable financial tool. Cash-out refinancing is among the strategies that help you access the treasure in your home. At Nortex Mortgage, we believe in empowering homeowners with a clear understanding of this financial mechanism, including its benefits, potential pitfalls, and strategic applications.
- [How can I get pre-approved for a loan?](https://nortexmortgage.com/how-can-i-get-pre-approved-for-a-loan/): Getting pre-approved for a home loan is essential to buying a home.

## Pages
- [Non-QM Loans in Texas](https://nortexmortgage.com/non-qm-loans-texas/): Non-QM loans Texas borrowers use provide flexible mortgage options when conventional financing does not fit. These programs help self-employed borrowers, real estate investors, retirees, and high-net-worth buyers qualify using documentation that better reflects their actual ability to repay.
- [Accessibility statement](https://nortexmortgage.com/accessibility-statement/): Nortex Mortgage is committed to ensuring digital accessibility for people with disabilities. We are continually improving the user experience for everyone and applying the relevant accessibility standards.
- [Newsletter](https://nortexmortgage.com/newsletter/)
- [Get Pre-Qualified](https://nortexmortgage.com/get-pre-qualified/): Welcome to the first step in your journey towards homeownership! At Nortex Mortgage, we understand that applying for a mortgage loan is a significant milestone. That's why we've streamlined the process to make it as smooth and stress-free as possible. Our user-friendly application form, designed with your convenience in mind, allows you to select a loan officer who aligns with your specific needs. Whether you're a first-time homebuyer or looking to refinance, our team of experienced professionals is here to guide you every step of the way. Start your application now and move closer to making your dream home a reality.
- [Bring Your Dream Home to Life](https://nortexmortgage.com/bring-your-dream-home-to-life/): Transforming your vision of a dream home into reality requires careful planning and execution. Each element, from architectural design to interior decor, contributes to the overall ambiance and functionality of the space. Engaging with experienced professionals can provide valuable insights and innovative solutions to enhance your project. Emphasizing sustainability and energy efficiency in your design choices will not only elevate your dream home but also promote environmental stewardship. Ultimately, the journey to realizing your dream home is one that combines creativity, practicality, and personal expression.
- [Bank Statements Loans](https://nortexmortgage.com/bank-statement-loans-for-self-employed-borrowers/): Bank Statement Loans, also known as self-employed mortgage loans or non-traditional mortgage loans, are designed specifically for self-employed individuals or small business owners who often face challenges with conventional income documentation, such as W-2 forms or pay stubs. These individuals may find it difficult to secure traditional mortgages due to their fluctuating income and different income reporting methods. Instead of relying on the usual income verification process, Bank Statement Loans utilize the borrower’s bank statements as proof of income. This method allows lenders to assess a borrower’s financial health directly through their cash flow, making it a more suitable option for those with non-traditional income sources.
- [DCSR Investor Cash Flow](https://nortexmortgage.com/dcsr-investor-cash-flow/): Our innovative primary product for real estate investors is a collateral-based business purpose loan. Traditional income verification is not required.
- [HARP 2.0 Loans In Texas](https://nortexmortgage.com/harp-2-0-loans-in-texas/): The HARP 2.0 program is called “Making Home Affordable, the Obama Refi.” The Federal Housing Finance Agency created the program in March 2009 to allow those with a loan-to-value ratio exceeding 80% to refinance without paying for mortgage insurance.
- [RHS LOANS in Texas](https://nortexmortgage.com/rhs-loans-in-texas/): The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.
- [FIXED RATE MORTGAGE in Texas](https://nortexmortgage.com/fixed-rate-mortgage-in-texas/): With a fixed-rate mortgage, the loan term's interest rate does not change, so the monthly payment is always the same. Typically, the shorter the loan period, the more attractive the interest rate will be.
- [Combined/Hybrid ARMs in Texas](https://nortexmortgage.com/combined-hybrid-arms-in-texas/): A combination of fixed-rate and adjustable-rate loans:
- [REFINANCE YOUR HOME MORTGAGE IN TEXAS](https://nortexmortgage.com/refinance-your-home-mortgage-in-texas/): Mortgage Refinance: Cash-Out and Rate-and-Term Solutions
- [CONFORMING LOANS in Texas](https://nortexmortgage.com/conforming-loans-in-texas/): Conforming loans are conventional loans that meet bank-funding criteria set by Fannie Mae (FNMA) and Freddie Mac (FHLMC). Both of these stock-holding companies buy mortgage loans from lending institutions and secure them for resale to the investment community. Every year, from October to October, Fannie Mae and Freddie Mac establish limits on what constitutes a conforming loan in a mean home price.
- [ADJUSTABLE RATE LOANS in Texas](https://nortexmortgage.com/adjustable-rate-loans-in-texas/): An ARM is a mortgage with an interest rate that may vary over the loan term — usually in response to the prime rate or Treasury Bill rate changes. The purpose of the interest rate adjustment is primarily to bring the interest rate on the mortgage in line with market rates.
- [USDA Loans in Texas](https://nortexmortgage.com/usda-loans-in-texas/): USDA Loans: Rural Mortgages with Great Perks
- [VA Home Loans in Texas](https://nortexmortgage.com/va-home-loans-in-texas/): VA Loans: Amazing Home Financing for Those Who Have Served
- [CONVENTIONAL LOANS in Texas](https://nortexmortgage.com/conventional-loans-in-texas/): Conventional Loans: Amazing Rates and Flexible Terms
- [JUMBO LOANS in Texas](https://nortexmortgage.com/jumbo-loans-in-texas/): Jumbo Loans: Personalized Financing Solutions for High-Cost Homes
- [FHA Home Loans in Texas](https://nortexmortgage.com/fha-home-loans-in-texas/): The Federal Housing Administration's (FHA) main goal is to move the housing market and protect the lenders if a borrower defaults on the mortgage. The FHA was created as part of the National Housing Act and later became part of the Department of Housing and Urban Development (HUD). The FHA has grown to become the largest insurer of mortgages in Texas. Nortex Mortgage is committed to offering great rates and flexible financing options on FHA loans in Plano, McKinney, Frisco, and Texas. Contact a Nortex Mortgage loan officer today at (972) 867-5626 for a free consultation.
- [Complaint Recovery Fund Notice](https://nortexmortgage.com/complaint-recovery-fund-notice/): Texas Consumer Complaint and Recovery Fund Notice
- [Purchase Mortgage Loans (David)](https://nortexmortgage.com/purchase-mortgage-loans/): Getting pre-approved for your home purchase loan is a crucial step that offers numerous benefits. It provides you with a clear understanding of your budget and enhances your credibility as a serious buyer. With pre-approval, you can confidently search for homes within your price range, make stronger offers, and expedite the home-buying process.
- [Dream Home Request](https://nortexmortgage.com/dream-home-request/): Are you currently renting but looking to buy? Relocating from out of town? If you are looking for property and need some assistance, NORTEX MORTGAGE can help. Use this FREE tool and let the experienced professionals here help you find the home of your dreams!
- [Todays Rates](https://nortexmortgage.com/todays-rates/): Trusted. Experienced. Secure.
- [Home Value Comparisons](https://nortexmortgage.com/home-value-comparisons/): Our FREE Home Value Comparisons tool has been designed to help you understand what your home is worth on today’s market and the value of similar homes in your area. Just answer a few easy questions, and you’ll instantly access our database of available homes in your area of interest, along with their details and listing price. It’s quick and easy; the more details you provide, the more accurate your results are.
- [Home Search](https://nortexmortgage.com/home-search/): Nortex Mortgage has established relationships with Realtors across the country. Use this FREE self-help tool to instantly access the nation's largest database of properties for sale.
- [Credit Report Authorization](https://nortexmortgage.com/credit-report-authorization/): Please complete the forms and Fax them to (972.769.1823) or email them to trey@nortexmortgage.com. Please do not hesitate to call 972.867.5626 with any questions.
- [Terms and Conditions](https://nortexmortgage.com/terms-and-conditions/)
- [Privacy Statement (US)](https://nortexmortgage.com/privacy-statement-us/)
- [Opt-out preferences](https://nortexmortgage.com/opt-out-preferences/)
- [Certified Divorce Lending Professionals (CDLP)](https://nortexmortgage.com/certified-divorce-lending-professionals-cdlp/): When dealing with divorce and real estate financing, partnering with an experienced and skilled (CDLP) Divorce Lending Professional is crucial.
- [Mortgage 101 Glossary](https://nortexmortgage.com/mortgage-101-glossary/): Adjustable-Rate Mortgage (ARM)
- [Home Loan Mortgage Calculator](https://nortexmortgage.com/texas-mortgage-calculator/): Our Pre-Approval Mortgage calculator provides a personalized estimate of your pre-approval amount. It also helps you understand what your monthly payments might look like.  
- [Secure Document Upload](https://nortexmortgage.com/upload/): Please enable JavaScript in your browser to complete this form.
- [MORTGAGE LOAN PROCESS](https://nortexmortgage.com/mortgage-loan-process/): MORTGAGE LOAN PROCESS
- [Meet The Team](https://nortexmortgage.com/about/): Trey Robertson, President of Nortex Morgage, Plano, TX.
- [Texas Mortgage Blog](https://nortexmortgage.com/nortex_mortgage_news/)
- [Purchase, Refinance Home Mortgage – Apply Today | Purchase, Refinance](https://nortexmortgage.com/apply-for-a-home-mortgage/)
- [Contact us](https://nortexmortgage.com/contact/): Let our expertise help guide you through the mortgage process.
- [WHY WORK WITH US?](https://nortexmortgage.com/client-reviews/): When buying or refinancing a home in Texas, why choose NORTEX MORTGAGE?
- [NORTEX Mortgage | Plano TX | Mortgage Loans Lender](https://nortexmortgage.com/): As a leading mortgage lender in Texas, Nortex Mortgage is dedicated to providing premier mortgage financing services to our valued clients. We understand the importance of finding the right mortgage, and our team of experienced Texas loan officers are committed to making the mortgage application process seamless and stress-free for you.

## Portfolio
- [Iris Tzivon | Sr. Loan Officer](https://nortexmortgage.com/staff/iris-tzivon/)
- [Bharat Patel | Sr. Loan Officer](https://nortexmortgage.com/staff/bharat-patel/)
- [Reggie Wajerski | Sr. Loan Originator / Processor](https://nortexmortgage.com/staff/reggie-wajerski/)
- [Tresha Kaigler | Sr. Loan Officer](https://nortexmortgage.com/staff/tresha-kaigler/)
- [Mana Mabry Graham | Sr. Loan Officer](https://nortexmortgage.com/staff/mana-mabry-graham/)
- [Blake Robertson | Sr. Loan Officer](https://nortexmortgage.com/staff/blake-robertson/)
- [Trey Robertson | President | RMLO](https://nortexmortgage.com/staff/trey-robertson/): (Trey) Daniel S Robertson III President | Residential Mortgage Loan Originator NMLS RMLO ID#: 242925

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- [Mortgage – Header](https://nortexmortgage.com/?p=13488)

https://nortexmortgage.com/staff/trey-robertson/
https://nortexmortgage.com/staff/blake-robertson/
https://nortexmortgage.com/staff/bharat-patel/
https://nortexmortgage.com/staff/reggie-wajerski/
https://nortexmortgage.com/staff/mana-mabry-graham/
https://nortexmortgage.com/staff/iris-tzivon/
https://nortexmortgage.com/staff/tresha-kaigler/