Mortgage Loans in Texas
A small, licensed team that answers your texts. Shay Yates is licensed as a mortgage loan originator in Texas, and we help Texas buyers and homeowners from our Springfield, Missouri office.
Local feel, wherever you are in Texas
Buying or refinancing in Texas does not have to feel like dealing with a faceless lender. You will know who is working on your loan, you can reach us by text or by phone, and we explain each decision before you make it.
We are licensed to help borrowers across Texas, including markets such as Houston, Dallas, Austin, and San Antonio. Property taxes, insurance, and closing practices can vary by state and county, so we explain what applies where you are buying. We do not guess at your numbers. Not every loan program is available in every area, and all loans are subject to credit and property approval.
Shay is the loan officer licensed in Texas. Licensing for other team members varies by state, so please start with Shay.
Loans we offer in Texas
Pick a path to learn more. We will help you find the one that fits.
Home Purchase Loans
Buying a home? We walk you from pre-approval to closing.
Learn moreRefinance
Look at changing your payment, your term, or your equity use.
Learn moreVA Loans
For eligible Veterans, active-duty service members, and surviving spouses.
Learn moreFirst-Time Home Buyers
Clear steps and honest answers for your first home.
Learn moreSelf-Employed Loans
Work for yourself? We help you understand your income and documents.
Learn moreAreas we serve in Texas
We help buyers across Texas. These are places we hear about often, and your search can start anywhere.
Houston
The largest city in Texas and one of the biggest markets in the country, with a huge range of neighborhoods and a lot of new construction around Katy, Conroe, and The Woodlands.
Dallas
The center of a huge Dallas and Fort Worth metro, with a wide range of neighborhoods and busy suburbs from Frisco to McKinney.
Austin
The capital and a fast growing metro, with suburbs across Williamson County such as Round Rock and Georgetown.
San Antonio
A large city with a big military presence from Joint Base San Antonio, and a growing suburban ring toward New Braunfels.
Killeen
Next to Fort Hood, with one of the largest military and Veteran communities in the state.
Property taxes in Texas vary by county and taxing district, and some newer subdivisions have extra districts that can add to the yearly bill. Ask for the tax estimate on any home you are considering.
First-time buyer help is available in Texas through Texas Department of Housing and Community Affairs (TDHCA). Program details and participating lenders are set by the agency, so ask us whether you may qualify.
Working with us from anywhere in Texas
You do not need to drive to Missouri. Most of the process happens from your phone or your couch.
- Step 1
Text or call
Reach us at (417) 849-2430. A real member of our team answers and talks through your goals.
- Step 2
Apply online
Start a secure digital application from your phone or computer. No office visit needed.
- Step 3
Share documents
Upload what we ask for and track your file. We keep you updated at every step.
- Step 4
E-sign and close
Many documents can be signed electronically. Closing is arranged with a title or settlement company in your state.
Trusted Realtors in Texas
Seats available for preferred agents in Texas. Are you a local agent? Claim a seat and be listed here.
Disclosure. Realtors listed are independent professionals and are not affiliated with Southwest Funding or True North Yates Group. No fees are paid or received for referrals, and you are free to choose any real estate agent.
True North Yates Group is an Equal Housing Lender and supports fair housing. We do not steer anyone toward or away from any neighborhood, and agents are never listed or described based on who lives in a community. You choose where you live and who helps you buy.
Other states we serve
Ready to talk about a Texas mortgage?
Text, call, or start your application online. We are here to help.
Or text us anytime: (417) 849-2430
Shay Yates, Loan Officer | NMLS #2172921 | Sponsored by Southwest Funding, LP, NMLS #32139 | Branch NMLS #2424517. Verify at NMLS Consumer Access. Equal Housing Lender.