Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage

Mortgage Loans in Texas

From buying in Austin's competitive market to financing an investment property in Houston or leveraging VA benefits in San Antonio, Nate Moghadam brings every loan program and a decade of experience to Texas buyers.

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Licensed in Texas
10+ Years Experience
5-Star Rated
Direct Access to Nate
Licensed in Texas

Your Local Mortgage Expert in Texas

I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in Texas. Texas is one of the largest and most dynamic real estate markets in the country — Houston, Dallas-Fort Worth, Austin, and San Antonio are each massive, fast-moving markets with very different buyer profiles, and I have the programs to serve all of them.

I offer FHA loans for first-time buyers, Conventional loans for buyers with solid credit across the state, VA loans for the enormous veteran and active-duty military population in Texas (particularly around San Antonio, Killeen, and El Paso), Jumbo financing for luxury properties in high-value neighborhoods in Austin and Dallas, and Non-QM programs for Texas's deep base of entrepreneurs, business owners, and real estate investors who need bank statement or DSCR loan options.

Texas buyers move fast and expect their lenders to do the same. I return calls quickly, issue pre-approvals fast, and build the kind of reputation with local agents that gets your offer taken seriously. That's how I operate — in Texas and every other state I serve.

  • All major loan types: FHA, Conventional, VA, Jumbo, and Non-QM loans available in Texas
  • Fast pre-approvals: Solid pre-approval letters that give you a real edge in competitive markets
  • Direct communication: Call or text Nate directly — no call centers, no voicemail loops
  • On-time closings: Agents and buyers across Texas trust Nate to close on schedule
Book a Free Call (617) 945-3632

Ready to Buy in Texas?

Get started today. Pre-approval takes minutes and there's no obligation.

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(617) 945-3632 nate@nateloans.com

Nate Moghadam · NMLS #906770
Fairway Independent Mortgage Corp · NMLS #2289
Equal Housing Lender

Available Programs

Loan Types Available in Texas

Every buyer's situation is different. Nate will help you find the program that fits your goals and finances.

FHA Loans

Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements.

  • Down payment from 3.5%
  • Flexible credit requirements
  • Government-backed
Learn About FHA

Conventional Loans

Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers.

  • Down payment from 3%
  • No upfront MIP
  • PMI removable when eligible
Learn About Conventional

VA Loans

Zero down payment, no PMI, and competitive rates for veterans and active-duty military.

  • 0% down payment
  • No private mortgage insurance
  • Competitive VA rates
Learn About VA

Jumbo Loans

Financing for high-value properties above conforming loan limits — common in Austin, Dallas, and Houston.

  • Above conforming limits
  • Competitive rates
  • Flexible underwriting
Learn About Jumbo

Non-QM Loans

Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box.

  • Bank statement programs
  • Investor cash flow loans
  • ITIN & alternative doc
Learn About Non-QM

Not sure which loan is right for you?

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Common Questions

Mortgage FAQs for Texas Buyers

Straight answers to the questions Nate hears most from buyers in Texas.

Yes. Nate Moghadam (NMLS #906770) is fully licensed in Texas through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at NMLS Consumer Access.
Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for luxury Austin and Dallas properties, and Non-QM loans for self-employed buyers and investors.
As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation.
Texas markets vary widely — but Austin in particular has been one of the most competitive real estate markets in the country, with Dallas-Fort Worth not far behind. Despite some cooling from peak levels, demand remains strong thanks to Texas's job growth and no-income-tax advantage. A fast, solid pre-approval is essential in any competitive TX market. Nate issues pre-approvals quickly and closes on time — the reputation that matters most to listing agents.
A typical purchase closes in 30–45 days from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on.
Apply online — it takes about 10 minutes. Or book a free call with Nate to talk through your situation first. No pressure, no obligation.

Ready to buy in Texas?

Talk to Nate directly — no forms, no call centers, no runaround.

Book a Free Call Get Pre-Approved