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Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages · Last updated: October 13, 2026
Quick answer
A Fort Worth mortgage broker compares many lenders for FHA, VA, conventional, new-construction and investor loans. iQRATE Mortgages (NMLS 1862492) is licensed in Texas and shops more than 100 lenders on complex files. Tarrant County's 2026 limits are $832,750 conforming and $563,500 FHA. The 2025 combined tax rate in Fort Worth with Fort Worth ISD was about 2.83%, and many new subdivisions in north Fort Worth add PID assessments. The city's Homebuyer Assistance Program offers up to $25,000. Full-doc loans close in about 17 days.
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5.0 stars from 87 reviews on Experience.com (October 2026) · Read David's reviews on Experience.com
Fort Worth buyers include aerospace and defense workers at Lockheed Martin and NAS JRB Fort Worth, logistics staff at AllianceTexas, TCU employees, and families buying new construction on the north and west edges of the city. New builds bring builder incentives and PID or MUD assessments, and defense jobs mean many VA loans.
Part of our Texas mortgage broker coverage. We're licensed in Texas under company NMLS 1862492 and work Fort Worth files from our Las Vegas office, closing with local escrow and title.
Neighborhoods and ZIPs we lend in: Fairmount and Near Southside (76104, 76110), the TCU area and Berkeley (76109, 76110), Tanglewood (76109), Arlington Heights and the Cultural District (76107), Alliance and north Fort Worth (76177, 76244, 76131), Chisholm Trail (76123), and Walsh (76008).
Texas basics that apply here: Texas has no transfer tax and no state income tax, and title insurance premiums are set by the Texas Department of Insurance. Property taxes are high and billed each October and paid in arrears, so lenders usually collect about 2–6 months of taxes into escrow at closing, depending on the closing month; the seller's prorated tax credit for the months they owned the home offsets part of that. Owner-occupants get the homestead exemption and a 10% cap on yearly appraisal increases after the first year. A cash-out loan on a homestead is limited to 80% of value under Section 50(a)(6). Statewide down payment help includes TSAHC (Homes for Texas Heroes, Home Sweet Texas) and TDHCA (My First Texas Home).
Closing costs are what it costs you to get the loan: origination, discount points, appraisal, and escrow and title. Cash to close also includes your prepaids (first-year homeowners insurance, daily interest to month-end, and an escrow deposit for your own future property taxes and insurance) plus your down payment. Prepaids aren't a cost of the loan; they're your own bills paid ahead. In Fort Worth, property-tax escrow (often 2–6 months, partly offset by the seller's prorated tax credit) and the first year of homeowners insurance are the main prepaids, and new builds in a PID add that assessment to escrow too. Your actual closing costs depend on county, price and loan type, so we don't quote a one-size range: every line is itemized on your Loan Estimate, and our Bare Bones guarantee means we add no fees of our own. Compare states on our closing costs by state page.
Tarrant County: conforming $832,750 and FHA $563,500 for a one-unit home. VA has no loan limit for borrowers with full entitlement.
Conventional (as little as 3% down for eligible first-time buyers), FHA (3.5% down, 580+ score), VA (no down payment for eligible veterans with full entitlement), jumbo above the conforming limit, DSCR loans that qualify on rent, bank statement loans for self-employed borrowers, asset-based and 1099 loans, and rate-and-term or cash-out refinances. As a broker we compare wholesale lenders, more than 100 on complex files, instead of one bank's menu.
Terms for each are on its own page; see all iQRATE guarantees.
$563,500 for a one-unit home in Tarrant County. The conforming limit is $832,750.
About $2.83 per $100 of value in 2025 with Fort Worth ISD, before exemptions. Other school districts in the city have different rates.
A Public Improvement District assessment that pays for infrastructure in many new subdivisions. Lenders count it in your payment.
Generally not in single-family zones. Fort Worth allows STRs only in nonresidential and certain form-based districts, with registration.
Yes. The city's Homebuyer Assistance Program offers up to $25,000 to income-qualified buyers.
Yes. Salaried and hourly pay qualify normally, and overtime is usually averaged over two years.
Sometimes. Barnett Shale mineral reservations and pipeline easements often show up on title. Most lenders accept them, but we review them during your option period.
Yes. A renovation loan can finance repairs, but exterior work in a historic district needs city approval first.
Closing costs depend on the price, loan type and county, so yours are itemized on your Loan Estimate rather than quoted as a range. Closing costs are what it costs to get the loan (origination, points, appraisal, escrow and title). Cash to close also includes prepaids and your down payment; in Fort Worth, property-tax escrow (often 2–6 months, partly offset by the seller's prorated tax credit) and the first year of homeowners insurance are the main prepaids, and new builds in a PID add that assessment to escrow too.
Most of our loans close in under 30 days. For eligible full-documentation conventional, FHA and VA purchases, our goal is 17 calendar days from signing initial disclosures.
Get My Custom Rate Now · or call (702) 766-3744
iQRATE Mortgages · NMLS 1862492 · 6360 S Rainbow Blvd Ste 101, Las Vegas, NV 89118 · Licensed in Nevada, California, Texas and Florida. David Ghazaryan, Mortgage Broker, NMLS 1486726. Verify us on NMLS Consumer Access. Equal Housing Opportunity. Programs, rates and terms change and are subject to credit, property and underwriting approval; local facts on this page come from the public sources below and are not legal or tax advice.
More: Texas mortgage broker · DSCR loans · Bank statement loans · Our guarantees · Closing costs by state
