About Next Wave Mortgage

Serving Homebuyers and Homeowners Across Texas

More than a broker — your Texas mortgage advisor

Make Texas Your Home is run by Next Wave Mortgage, LLC (NMLS #2536820). As a mortgage broker serving buyers across Texas, we compare loan options from multiple wholesale lenders—including conventional, FHA, VA, USDA, jumbo, FHA 203(k), DSCR investor loans, reverse mortgages, and Texas Section 50(a)(6) home equity loans—so you get clear answers from initial pre-qualification through closing.

59K+

Contacts Helped

Texas DPA Programs Tracked

4.9

Google Rating

What sets us apart

Transparency

No hidden surprises or confusing jargon. We walk you through every loan option and cost estimate so you always know exactly where you stand.

Wholesale Choice

As a mortgage broker, we compare Texas home loans across multiple wholesale lenders—from FHA, VA, USDA, and conventional to DSCR, non-QM, and Section 50(a)(6) home equity.

Personal Guidance

Led by President Phil Ganz (NMLS #37833, 26+ years in the industry) and Founder Ryan Skerritt (NMLS #1170025), our team responds within one business day.

Texas program guidance

We track 60 Texas first-time homebuyer and down payment assistance programs across all 254 Texas counties—including statewide options from TDHCA (My First Texas Home and My Choice Texas Home), TSAHC (Homes for Texas Heroes and Home Sweet Texas Home), and the Texas Veterans Land Board, plus 51 local city and county programs in Houston, Dallas, Austin, San Antonio, Fort Worth, Harris County, and Tarrant County. Buyers apply for these programs through a participating lender, and our team helps you check eligibility, compare options, and get connected.

Check Your Eligibility

Have Questions?

Schedule a free 15-minute consult with our team to review your Texas home loan options.

Schedule Now