NOVA Home Loans Texas connects you to loan officers in the state’s biggest markets — each equipped with local insights, lender experience, and fast communication.
Fast, competitive home financing for Texas residents and newcomers. Choose from FHA, VA, Conventional, USDA (rural areas), Jumbo, and specialty programs tailored to Texas buyers.
Lower your payment, tap into equity, or shorten your loan term with Texas-focused refinance options. Includes rate-and-term, cash-out, and streamline refinance solutions.
Coming to Texas from out of state? We specialize in smooth, fast, organized relocation financing for buyers moving from California, Arizona, New York, or anywhere across the country.
If your credit isn’t perfect, we have flexible loan solutions to help you qualify. NOVA offers pathways for credit challenges and unique financial situations.
NOVA Home Loans Texas connects you to loan officers in the state’s biggest markets — each equipped with local insights, lender experience, and fast communication.
NOVA Home Loans Texas proudly serves Houston homebuyers and homeowners with tailored mortgage solutions, competitive rates, and local expertise designed for one of Texas’s most dynamic housing markets.
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Our Dallas lending team delivers fast, reliable mortgage guidance and flexible loan options to help buyers, refinancers, and relocating families succeed in the Dallas–Fort Worth market.
Get a clear picture of what homeownership could look like for you in the Lone Star State. Use our smart mortgage tools to estimate your monthly payment and compare the long-term costs of renting versus buying in your Texas city.
Whether you’re exploring homes in Dallas–Fort Worth, Austin, Houston, San Antonio, or anywhere in between, these calculators help you understand how your loan amount, interest rate, taxes, insurance, and appreciation can impact your budget over time.
With NOVA Home Loans Texas, you get the advantage of a trusted national lender backed by deep local market knowledge. Our Texas-focused team uses proven programs, technology, and underwriting support to tailor solutions that fit your city, your neighborhood, and your financial goals.
We understand Texas real estate moves fast, and our team is built to keep up with tight deadlines and competitive offers. From pre-approval to closing day, we streamline the mortgage process so you can move into your new Texas home with confidence and minimal delays.
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I wish I would have found this company when I purchased my first home Ray and his team pulled all the strings they could to make my purchase possible, thanks to them we are in a bigger and better home!! Thanks Ray I will definitely use you again and recommend anyone to use them! I'd give 10 stars if I could!
Previous Client
Ray was very responsive and willing to talk us through everything. Great service and would definitely use again.
Previous Client
"Ray is incredibly knowledgeable and guides his clients through every step of the home buying process with patience and clarity. His dedication to finding the best mortgage solutions for his clients is truly commendable. Ray's communication skills are top-notch! If you're looking for a reliable and skilled mortgage professional, I highly recommend Ray."
Previous Client
Ray Campbell is an outstanding Loan Officer. He is very knowledgeable and is able to show various loan options to make sure you are getting the best loan that fits your needs. His knowledge and expertise in mortgage shows on your initial conversation. You will know immediately that you are working with a true professional. I highly recommend Ray Campbell and his team for any of your mortgage needs. Whether its for your first home purchase or if your needing to refinance, his team is amazing.
Previous Client
"Ray is ridiculously smart and thorough. Technical expertise in knowing exactly how to get it done is exactly what you should expect with a top notch lender! I would not hesitate to refer him to clients or use his expertise for my personal purchase!"
Previous Client
"Ray and his team were great to work with. Ray explains things in a way that helped me understand the process the whole way through. Communication was great and they were always a call, text, or email away!"
Lovely Client
