See What Your Texas Numbers Support
Program and regulatory figures verified September 17, 2026. Details change; confirm your scenario with us.
Tell us the two houses and the timeline. We will tell you which of the three structures actually works, or that none of them do.
What to have ready
- Roughly what your current Texas home is worth and what you still owe.
- The price range of the house you are moving to.
- Your timeline, especially if there is a reporting date or a school year driving it.
- Whether you would consider keeping the current house as a rental.
None of it has to be exact. Approximate numbers are enough to tell you which direction to go.
What happens next
Our team reaches out shortly. We run the two-payment test, check your equity against the Texas ceiling, and if rental conversion is on the table we look at what the departing house would rent for. You get a straight answer, including if that answer is that you should sell first.
No obligation and no pressure. A short call with our team, your real numbers, and a straight answer on which of the three structures actually fits.
Your real estate agent handles the purchase paperwork and the offer itself. We handle the money: what you qualify for, how the equity gets used, and what the payment looks like.
Frequently asked questions
What will you need from me on a first call?
Approximate value and balance on your current Texas home, the price range you are shopping, and your timeline. Nothing has to be precise to get a useful direction, and no documents are needed to start.
Will you tell me if buying before selling is a bad idea for me?
Yes. Sometimes the numbers say sell first, and saying so is more useful than routing you into a structure that does not fit. You will get the actual answer.
How quickly does someone get back to me?
Our team reaches out shortly during business hours. If your timeline is tight, say so in the message and we will treat it that way.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. Texas homestead lending rules, property tax treatment, and loan limits change and depend on your facts; your real estate agent handles the purchase paperwork and your CPA or a Texas attorney handles legal and tax questions. Loans are subject to borrower and property qualification.