Make Texas Your Home — Next Wave Mortgage
  • Loan Options

    Buy a home

    FHA Loan3.5% down, 580+ credit — the first-time buyer favoriteConventional LoanAs little as 3% down with removable mortgage insuranceVA Loan$0 down and no mortgage insurance for veteransUSDA Loan0% down in eligible rural and suburban areasManufactured Home LoanFinance a manufactured or mobile home with land

    Invest in Texas

    DSCR LoanFor investors — qualify on rental income, no tax returnsForeign National LoanBuy in Texas without U.S. credit or residency

    Use your equity

    HELOCTap your home equity without refinancing
    View all loan options →Not sure which loan fits? Check your eligibility →
  • Calculators
    Home Affordability CalculatorSee what price fits your income and monthly budgetDSCR Loan CalculatorCheck if a Texas rental qualifies on its own incomeVA Disability Tax SavingsEstimate your Texas property tax exemption by ratingDown Payment Assistance CalculatorMatch state and local Texas programs to your purchaseTexas DPA County MapSee the assistance programs in all 254 counties
    View all calculators →Ready for real numbers? Check your eligibility →
  • First-Time Buyers
  • Texas Heroes
  • Rates
Get Pre-Approved
    • Buy a home

      • FHA Loan3.5% down, 580+ credit — the first-time buyer favorite
      • Conventional LoanAs little as 3% down with removable mortgage insurance
      • VA Loan$0 down and no mortgage insurance for veterans
      • USDA Loan0% down in eligible rural and suburban areas
      • Manufactured Home LoanFinance a manufactured or mobile home with land
    • Invest in Texas

      • DSCR LoanFor investors — qualify on rental income, no tax returns
      • Foreign National LoanBuy in Texas without U.S. credit or residency
    • Use your equity

      • HELOCTap your home equity without refinancing
    • Not sure which loan fits? Check your eligibility →
    • View all loan options →
      • Home Affordability CalculatorSee what price fits your income and monthly budget
      • DSCR Loan CalculatorCheck if a Texas rental qualifies on its own income
      • VA Disability Tax SavingsEstimate your Texas property tax exemption by rating
      • Down Payment Assistance CalculatorMatch state and local Texas programs to your purchase
      • Texas DPA County MapSee the assistance programs in all 254 counties
    • Ready for real numbers? Check your eligibility →
    • View all calculators →
  • First-Time Buyers
  • Texas Heroes
  • Rates
Get Pre-Approved

Texas mortgage tools

Texas Mortgage Calculators

Estimate home affordability, match statewide and local assistance programs, analyze rental cash flow, and build a clear Texas homebuying plan.

Popular

Texas Home Affordability Calculator

Estimate your maximum home price, monthly payment, and Texas-specific property tax and insurance breakdown.

Open calculator
First-Time Buyers

Texas Down Payment Assistance Calculator

Match 60 Texas statewide and local down payment assistance programs by county, income, purchase price, and buyer profile.

Open calculator
Investors

Texas DSCR Loan Calculator

See whether a Texas rental property qualifies on its cash flow using combined 2025 county tax rates and TDI insurance averages.

Open calculator
Veterans

Texas Veteran Property Tax Savings Calculator

Estimate what Texas disabled veteran property tax exemptions are worth on a home based on your VA rating and county tax rate.

Open calculator
Rates

Texas Mortgage Rates Today

Check current Texas mortgage rate benchmarks and see how different loan programs affect your estimated monthly payment.

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Make Texas Your Home — Next Wave Mortgage

Texas home loans for every kind of buyer, from first homes and VA loans to investment properties.

617-529-9317hello@nextwavemortgage.com

2430 E Commercial Blvd #3, Fort Lauderdale, FL 33308

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Next Wave Mortgage, LLC
NMLS ID 2536820

Buy a Home

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  • Down Payment Assistance
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  • All Calculators
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Next Wave Mortgage, LLC is not affiliated with any government agencies. These materials are not from VA, HUD or FHA, and were not approved by VA, HUD or FHA, or any other government agency.

Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs.

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE COMPANY OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML'S WEBSITE: SML.TEXAS.GOV.

Complaints may be directed to: hello@nextwavemortgage.com. For licensing information, please visit nmlsconsumeraccess.org

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