Financing paths to compare
- Conventional home purchase and refinance loans
- FHA-insured financing
- VA home loan guidance for eligible borrowers
- Jumbo financing for larger loan amounts
- Self-employed borrower documentation
TEXAS MORTGAGE BROKER · NMLS #2535144
A Texas home loan
starts with your plan.
River Bear Financial is a Texas-licensed mortgage brokerage based in Austin. We help homebuyers and homeowners compare financing choices around the property, budget, timing and documentation.
Discuss a Texas home purchaseWhat does a Texas mortgage broker do?
A mortgage broker helps a borrower explore available lender and program options, prepare an application and understand tradeoffs. The lender makes the underwriting and approval decision.
Texas-specific questions
- Is the property a primary residence, second home or investment property?
- How will property taxes, homeowners insurance and HOA dues affect the payment?
- Which costs are due at closing and which belong in reserves?
- Could a state or local assistance program apply?
Texas homebuyer resources
TDHCA publishes mortgage and down-payment-assistance resources through approved participating lenders. Eligibility and current availability must be confirmed directly.
Texas mortgage questions
Does being licensed in Texas guarantee a particular loan?
No. Licensing permits River Bear to conduct applicable mortgage-broker activity; approval depends on the lender, program, borrower and property.
Can River Bear help before I choose a house?
Yes. An early conversation can organize your comfortable payment, cash-to-close range, documentation and next step before you make an offer.
Are you a TDHCA participating lender?
Do not assume participation from this page. Ask us to verify the current lender and program path for your scenario, or use TDHCA’s official directory.
PROPERTY IN TEXAS?