Tarrant County · Texas

Mortgages in Fort Worth.

Nick Grisanti
Nick Grisanti
Mortgage Loan Originator · NMLS #2719729FL #LO138662 · OH #MLO-OH.2719729 · TN #2719729 · TX SML licensedC2 Financial Corporation · NMLS #135622

Purchase, refinance, Texas home equity and rental property loans in Fort Worth and Tarrant County, from 100+ wholesale lenders through C2 Financial Corporation.

  • $563,5002026 FHA limit, Tarrant County
  • 100+Wholesale lenders
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What can we help you with?
LicensedStatewide in Texas C2 Financial CorporationLicensed mortgage broker 100+ lendersWholesale network
2026

Fort Worth by the numbers

Tarrant County shares the Dallas-Fort Worth FHA limit of $563,500, and Fort Worth's median price sits well below it, so FHA covers most purchases here.

FHA · 1 unit · Tarrant County $563,500 Above the $541,287 national floor because of Tarrant County's higher home prices.
Conforming · 1 unit $832,750 Loans above this are jumbo loans.
Median sale price $329,900 City of Fort Worth single-family median, September 2026 (NTREIS, Texas A&M Real Estate Research Center).
City tax rate $0.7057 City of Fort Worth rate per $100 of value, tax year 2026. County, school district and special district rates are added on top.
State income tax None Texas has no state income tax, and no transfer tax on home sales.

Check your county's FHA limit with HUD's lookup. Two- to four-unit properties have higher limits. Nick confirms the current figures for your county before every rate lock.

Local rules and costs

What buyers in Fort Worth should know

Short-term rentals No STRs in residential zones Fort Worth doesn't allow short-term rentals in residential zoning districts. Where they are allowed, they need yearly registration and 9% city hotel tax on top of the state's 6%. City STR rules → First-time buyers Up to $25,000 from the city Fort Worth's Homebuyer Assistance Program offers up to $25,000 in 0% down payment and closing cost help for buyers at or under 80% of area income in city limits. City HAP → Taxes File your homestead by April 30 A Texas homestead takes $140,000 off your home's value for school taxes ($60,000 more at 65+ or disabled). File with the appraisal district by April 30 of the year after you buy. Comptroller exemptions → First-time buyers TDHCA and TSAHC programs State programs such as My First Texas Home, My Choice Texas Home, Homes for Texas Heroes and Home Sweet Texas offer down payment help of up to 5%. Income and price limits apply. TDHCA programs → Investors Rental property in Fort Worth A DSCR loan qualifies on the property's rent rather than your personal income, which suits investors who own several properties or live outside Fort Worth. How DSCR works →
About Fort Worth

Living and buying in Fort Worth

Fort Worth's large employers include Lockheed Martin, Naval Air Station Fort Worth, American Airlines and Texas Health Resources.

Buyers look at established neighborhoods such as Tanglewood, Fairmount and Arlington Heights, the Near Southside, and suburbs such as Keller, Benbrook, Burleson and Aledo.

Neighborhoods

Where buyers look

Schools: Fort Worth ISD is the main district; Keller, Northwest, Crowley, Eagle Mountain-Saginaw and other ISDs cover parts of the city. Check the district for any specific address before you buy.

Loans in Fort Worth

Loan programs

Most common Conventional Fannie Mae and Freddie Mac loans for primary homes, second homes and investment property. Conventional loans → Flexible credit FHA Low down payment for a Fort Worth home you'll live in, with local down payment help. FHA in Fort Worth → Veterans VA For eligible veterans, service members and surviving spouses. VA loans → Higher prices Jumbo Loan amounts above the conforming limit. Jumbo loans → Investors DSCR Buy or refinance a Fort Worth rental on the property's rental income. DSCR in Fort Worth → Self-employed Bank statement For self-employed borrowers whose tax returns understate their income. Bank statement loans → Home equity HELOC and cash-out Borrow against your home's equity with a line of credit or a cash-out refinance. Compare options →

Not every lender offers every program in every state, and all loans are subject to credit approval and program guidelines. Nick compares 100+ wholesale lenders through C2 Financial Corporation to find the programs that fit your scenario.

Questions

Fort Worth mortgage FAQ

What is the 2026 FHA loan limit in Fort Worth?
$563,500 for a one-unit home in Tarrant County.
Can I buy a Fort Worth house to use as an Airbnb?
Not in residential zoning districts, where short-term rentals aren't allowed. Most Fort Worth investment homes are financed and underwritten as long-term rentals.
Is there down payment assistance in Fort Worth?
Yes. The city's program offers up to $25,000 to income-qualified buyers, and state programs offer up to 5%.
Is Nick Grisanti licensed to lend in Fort Worth?
Yes. Nick is licensed as a Mortgage Loan Originator in Texas (TX SML licensed), and loans are originated through C2 Financial Corporation, NMLS #135622.
Texas

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Checked Oct 2026

Sources