texas-mortgage-and-refinance-companySINCE 2005 WE’VE HELPED PEOPLE ALL OVER TEXAS BUY & REFINANCE HOMES.

Whether you’re buying or refinancing a home in Austin, DFW, Houston, or San Antonio–call us today and get our mortgage estimate. 

Our minimum credit score is 620 (when buying or refinancing), however to get the best mortgage– & lowest fees–you’ll need at least a 660.

We specialize in  home loans without pmi  (mortgage insurance) & Texas cash out refinancing.customized-quote

Apply today and close at any title company you want–or let us find one for you that’s close to your home or office.

Or just call or email to request your customized mortgage quote.

  • In Austin, please call 512-996-8194
  • In DFW, please call 972-325-2120
  • In Houston, please call 713-589-2244

In addition to having low mortgage rates, we also have the lowest closing costs since our lender fee is a flat $500 , regardless of your loan amount. 

People have used Mylendingplace.com for nearly 10 years because we offer more loan options and we have the lowest closing cost since we are a flat-fee Texas mortgage company.  

More loan choices….lower fees. 

It’s that simple

We make the mortgage process simple.

~ Mylendingplace.com ~



Buying a home in Texas:    These days banks require 5% down and a 620 credit score to buy a home.  So if you have the 5% down and a 620 credit score…please call us or apply today!

If you have a 660+ credit score you can buy a home–with only 5% down–and avoid mortgage insurance (pmi) with our 80/15/5 mortgage, which is a 95% home loan.

Click here for an example of the 95% loan, or 80/15/5

What is an 80/15/5 Mortgage Loan?  80+15=95% mortgage.

  • We offer 5% down home loans– up to $517,000– without PMI, with only a 660 credit score.
  • If you have a 700 credit score, we offer a 5% down loan, without PMI, to $567,000.  We can do a $150K second lien with a 700 score. Another advantage of the 80/15 or 80/10 is you can avoid jumbo mortgage rates –and the higher jumbo mortgage fees.
  • We offer 30 year fixed rates, 15 year fixed loans…even 10 year fixed.  However, if you’d like to place your loan on an ARM, call us about our low 10 year ARM, our 7 or 5 year ARM rates.
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