Texas homebuyers
The paymentyou’ll actuallypay.
National calculators quote a national average. Your payment depends on your credit band, your county’s tax rate, the homestead exemption, MUD districts, and Texas’s real insurance market. Mortlens prices all of it — and shows the math.
No lenders paid to be here. Every number shows its math.
YOUR REAL PAYMENT
LIVE
$3,145/mo
P&I $2,155
PMI $115
Taxes $487
Insurance $387
at 6.60% for your credit band — a 760+ buyer in the same house pays $103 less per month.
Estimate. 10% down, 30-yr fixed. Homestead applied.
RUNNING THE REAL NUMBER
Calculators guess. Mortlens prices.
Four things national tools get wrong — fixed.
base6.60%
credit+0.30
=6.90%
Your rate, not the average rate.
Lenders price by credit band. So do we. The gap between a 660 and 760 buyer is real money every month — most calculators never show it. Ours shows the rate math line by line.
Smith 1.70%
El Paso 2.58%
County truth, not state averages.
Texas effective tax rates run from 1.70% to 2.58% by county. MUD districts add up to 1.2% more on new builds. We itemize your county, your exemption, your district — to the dollar.
Insurance priced for Texas.
Hail in the north, windstorm on the coast. Texas premiums are among the highest in America, and default calculators lowball them by thousands a year. We price your risk region.
Advice, not just arithmetic.
Every estimate ships with your levers: what one credit band, 20% down, a different loan type, or filing your homestead exemption does to the monthly number. Quantified. In dollars.
No pay-to-play. Results are never ordered by what a lender pays us.
Built for Texas first
Same house. Different county. Different payment.
$375,000 home · 10% down · 700–719 credit · 30-yr fixed
$3,396/mo
P&I + PMI$2,341
County taxes$598
Insurance · Hail belt$458
VERDICT
Collin saves $70/mo — $840 a year on the identical house.
$3,326/mo
P&I + PMI$2,341
County taxes$528
Insurance · Hail belt$458
Homestead exemption, applied. $100,000 off your school-district taxable value on a primary residence. We model it — and remind you to file it. It's free.
MUD/PID detection. That new build in the suburbs may carry an extra 0.3–1.2% district tax the flyer didn't mention. We surface it before you fall in love with the model home.
Assistance screening. My First Texas Home (TDHCA) and TSAHC programs offer up to 5% down-payment help. We check your numbers against typical limits automatically.
How it works
1
Tell us your profile
Price range, down payment, credit band, county. Thirty seconds. No credit pull, no phone number.
2
See the whole payment
Principal, interest, PMI, county taxes with your exemption, real Texas insurance, HOA. As a range, with the math shown.
3
Pull your levers
See exactly what raising your credit one band, reaching 20% down, or switching loan types saves per month. Then decide.
Questions, answered plainly
Know your real number before the lender tells you.
Early access opens county by county. Join the list — we’ll email you once, when your county goes live.
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