Important Disclosures

Last Updated: January 21, 2026

Licensing Information

Texas Mortgage Lender is licensed by the Texas Department of Savings and Mortgage Lending. NMLS ID: [NMLS NUMBER]. For licensing information, visit www.nmlsconsumeraccess.org.

Equal Housing Lender

Texas Mortgage Lender is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.

Rate Disclosures

Interest rates displayed on this website are subject to change without notice. Rates shown are for informational purposes only and may not reflect the rate you receive. Your actual interest rate will be based on several factors, including:

Your credit score and credit history
Loan amount and loan-to-value ratio
Property type and location
Loan term and type
Down payment amount
Current market conditions

APR Disclosure

The Annual Percentage Rate (APR) represents the total cost of borrowing expressed as a yearly rate. The APR includes the interest rate, points, mortgage broker fees, and other charges that you pay to get the loan. Because these costs are included in the APR, it may be higher than the interest rate.

Loan Program Availability

Not all loan programs are available in all areas or to all borrowers. Program terms, conditions, and eligibility requirements are subject to change. Some loan programs may have additional restrictions or requirements.

FHA Loan Disclosure

FHA loans require mortgage insurance premium (MIP) which may increase your monthly payment and APR. Upfront MIP of 1.75% of the loan amount is required, along with annual MIP payments.

VA Loan Disclosure

VA loans are available to eligible veterans, active-duty service members, and surviving spouses. A VA funding fee may apply and is typically financed into the loan amount. The funding fee varies based on factors including down payment amount and prior VA loan use.

USDA Loan Disclosure

USDA loans are available for properties in eligible rural areas and are subject to income limits. USDA loans require an upfront guarantee fee and annual fee which may increase your monthly payment.

Calculator Disclaimer

The mortgage calculators on this website are provided for educational and illustrative purposes only. Results are estimates based on the information you provide and should not be relied upon as accurate representations of actual loan costs or payment amounts. Actual loan terms will be determined during the application and underwriting process.

No Guaranteed Approval

Nothing on this website constitutes a commitment to lend or a guarantee of loan approval. All loans are subject to credit approval, property appraisal, and other conditions. Loan terms and programs are subject to change without notice.

Third-Party Links

This website may contain links to third-party websites. Texas Mortgage Lender is not responsible for the content or privacy practices of these external sites.

Contact for Questions

If you have questions about these disclosures or our lending practices, please contact us:

Texas Mortgage Lender
Email: compliance@texasmortgagelender.us.com
Phone: (214) 225-3166