Find Your Perfect Home Loan in Texas
Whether you’re a first-time buyer, veteran, or seasoned investor—Adam and his team at Movement Mortgage guide you to the right loan with competitive rates and a streamlined process. We’re your dedicated partner from application to closing.
Why Adam Bartling & Team?
As a direct lender with Movement Mortgage, we offer competitive rates, fast closings, and an education-first approach that puts your needs first.
Army Veteran Owned
Retired Army Captain with integrity and service you can trust.
Direct Lender Advantage
Powered by Movement Mortgage—competitive rates with faster, more reliable closings.
No Upfront Credit Check
Explore your options without impacting your credit score.
Education-First Approach
Understand every option before making a decision. No pressure.
Dedicated Team
Same team from application to closing—no getting lost in the shuffle.
Lender for Life
Annual reviews to ensure your mortgage still fits your goals.
Texas Home Purchase Loan Options
Every situation is different. Here are the main loan programs we offer—Adam and his team will help you find which one fits YOUR needs best.
Conventional Loans
The standard mortgage for buyers with good credit and stable income. Flexible terms and competitive rates.
- As low as 3% down payment
- No mortgage insurance with 20% down
- 620+ credit score (680+ for best rates)
- Primary, second home, or investment
- 15, 20, or 30-year fixed terms
- Jumbo loans available for luxury homes
VA Home Loans
Exclusive benefits for veterans, active military, and eligible spouses. The best mortgage program available.
- $0 down payment required
- No monthly mortgage insurance (PMI)
- Lowest average interest rates
- Flexible credit requirements
- Can be used multiple times
- Seller can pay closing costs
FHA Loans
Government-backed loans with flexible requirements. Great for first-time buyers or those rebuilding credit.
- Only 3.5% down payment
- Credit scores as low as 580
- Higher debt-to-income ratios allowed
- Gift funds accepted for down payment
- Competitive interest rates
- Streamlined refinance options later
First-Time Homebuyer
Special programs and assistance for those buying their first home. More help than you might expect.
- Down payment assistance programs
- Closing cost assistance available
- Lower credit score options
- Homebuyer education resources
- State and local grant programs
- Combine with FHA, VA, or Conventional
DSCR / Investor Loans
Qualify based on the property’s rental income—not your personal income. Perfect for building a portfolio.
- No W-2s or tax returns needed
- Qualify on rental income alone
- Close in LLC for asset protection
- No limit on properties owned
- 660+ credit score
- 20-25% down payment
🎓 Not Sure Which Loan Is Right for You?
That’s exactly why we’re here. Adam and his team will evaluate your unique situation—income, credit, goals—and recommend the best options. No pressure, just honest guidance.
LET’S TALK📊 Quick Loan Comparison
See how the main loan types stack up at a glance.
| Feature | Conventional | VA | FHA | DSCR |
|---|---|---|---|---|
| Min. Down Payment | 3% | 0% | 3.5% | 20% |
| Min. Credit Score | 620 | 580-620 | 580 | 660 |
| Mortgage Insurance | Yes (under 20%) | No PMI | Yes (MIP) | No |
| Income Verification | W-2/Tax Returns | W-2/Tax Returns | W-2/Tax Returns | Rental Income Only |
| Best For | Strong Credit | Veterans | First-Time Buyers | Investors |
Your Texas Home Buying Journey
Our streamlined process makes getting a mortgage straightforward and stress-free. Here’s what to expect when you work with Adam and his team.
Free Consultation
We discuss your goals, timeline, and financial situation. No credit check required—just an honest conversation about your needs and options.
Get Pre-Approved
We’ll find the right loan program with competitive rates through Movement Mortgage. You’ll get a pre-approval letter that makes your offers stronger to sellers.
Find Your Home
Work with your real estate agent to find the perfect property. We’re available to answer any financing questions along the way.
Loan Processing
Your dedicated team handles the paperwork and guides you through underwriting. Same people from start to finish—on time, on budget.
Close and Celebrate
We coordinate with all parties for a smooth closing. Then you get the keys to your new Texas home!
Lifetime Support
We don’t disappear after closing. Annual reviews ensure your mortgage still fits your goals. We’re your lender for life.
Tailored Guidance for Every Texas Buyer
Whether this is your first home or your fifth, we customize our approach to your experience level and goals.
🔑 First-Time Home Buyers
Buying your first home is exciting—and can feel overwhelming. We’re here to guide you through every step with patience and clear explanations.
- We explain the entire process before you commit
- Help you understand how much you can truly afford
- Connect you with down payment assistance programs
- Explain the difference between loan types in plain English
- Answer every question—no matter how basic it seems
- Provide resources to help you prepare financially
🏡 Move-Up and Repeat Buyers
You’ve done this before, so you know what to expect. We focus on efficiency, strategy, and getting you the best possible terms.
- Strategies for buying before selling your current home
- Bridge loan options if timing doesn’t align
- Leveraging your equity for a larger down payment
- Quick pre-approvals for competitive markets
- Exploring jumbo loans for higher-priced properties
- Investment property financing for wealth building
Texas Home Purchase FAQs
Common questions about buying a home in Texas.
How much do I need for a down payment in Texas?
It depends on the loan type: VA loans require $0 down, FHA needs 3.5%, and conventional starts at 3%. We’ll help you find Texas down payment assistance programs if needed.
What credit score do I need to buy a home?
FHA accepts scores as low as 580. Conventional typically needs 620+. VA is flexible. Higher scores get better rates—but don’t assume you won’t qualify. Let us check your options.
How long does the mortgage process take?
Typically 30-45 days from contract to closing. Getting pre-approved first speeds things up. Some loans like DSCR can close in as little as 21 days.
What’s the difference between pre-qualified and pre-approved?
Pre-qualification is a quick estimate. Pre-approval involves verifying your income, credit, and assets—it’s a much stronger signal to sellers that you can close.
Do I need perfect credit to get a mortgage?
No! While better credit gets better rates, many programs work with lower scores. FHA accepts 580+, and we have options for credit scores in the 500s in some cases.
What are closing costs and how much should I expect?
Closing costs typically run 2-5% of the loan amount and include lender fees, title insurance, appraisal, etc. Sellers can often contribute to closing costs—we’ll help negotiate.
Can I buy a home if I’m self-employed?
Yes! Self-employed buyers have options including bank statement loans and DSCR loans for investment properties. We specialize in finding solutions for non-traditional income.
Should I get pre-approved before looking at homes?
Absolutely. Pre-approval shows sellers you’re serious, helps you understand your budget, and speeds up the process when you find the right home.
What documents do I need to apply for a mortgage?
Typically: 2 years of tax returns, recent pay stubs, 2 months of bank statements, and ID. We’ll provide a complete checklist based on your specific loan type.
Can I use gift money for my down payment?
Yes! FHA, VA, and conventional loans all allow gift funds from family members. We’ll guide you on proper documentation to satisfy lender requirements.
🌟 What Our Texas Clients Say
Real Texas homebuyers sharing their experience with Adam and his team.
“As first-time homebuyers, we were nervous and confused about the whole process. Adam took the time to explain everything in terms we could understand. He found us a great rate and walked us through every step. We closed on our dream home and couldn’t be happier!”
Katy, TX
First-Time Buyer • FHA Loan⭐⭐⭐⭐⭐
“After 22 years in the Army, I wanted to use my VA benefits but had heard horror stories about VA loans taking forever. Adam proved that wrong—we closed in under 30 days with zero down payment and a rate that beat everything else I was quoted. His military background made it even easier to communicate.”
San Antonio, TX
Veteran • VA Loan⭐⭐⭐⭐⭐
“We were upgrading from our starter home and needed to sell and buy at the same time. Adam coordinated everything perfectly and found us a solution we didn’t know existed. His education-first approach meant we never felt pressured. Highly recommend!”
Sugar Land, TX
Move-Up Buyer • Conventional⭐⭐⭐⭐⭐
Your Texas Dream Home Awaits
Whether you’re buying your first home or your fifth, Adam and his team are here to guide you every step of the way. Schedule a free consultation with no credit check required.
Adam Bartling | Loan Officer NMLS# 2213358
Movement Mortgage NMLS# 39179