Loan Officer
Adrian Webb
Banks offer their own products. Milestone offers the market. Your loan officer shops your scenario across 65+ investors to find the rate and program that fits your situation. You get options, not a take-it-or-leave-it quote.
Milestone serves homebuyers all across Texas. Your loan officer works with you remotely and has full access to the same 65+ investor network available at any Milestone branch. Buying a starter home in Arlington or a property outside Amarillo? Same process, same network.
Clear-to-close in as few as 15 days. Every cost is upfront from day one. No surprise fees, no fine print.
Your loan officer matches you to the right loan based on your goals, not a script. Whether you're a first-time buyer in Fort Worth or refinancing in Plano, your loan officer walks you through every step from application to closing.
Traditional mortgages with competitive rates for borrowers with good credit. Down payments as low as 3%.
Government-backed loans perfect for first-time buyers with flexible credit requirements.
Exclusive benefits for veterans, active military, and eligible spouses. Thank you for your service!
Zero down payment loans for eligible rural and suburban homebuyers. Great for first-time buyers!
Lower your rate, reduce your payment, or tap into your home's equity with our refinance options.
Financing for luxury properties and high-value homes that exceed conventional loan limits.
Conventional Loans: The 2026 conforming loan limit in Texas is $832,750 across all counties. Borrowers who need financing above that amount may qualify for a jumbo loan.
FHA Loans: FHA loan limits in Texas vary by county, ranging from $541,287 in standard-cost areas to $571,550 in the Austin metro.
VA Loans: Texas is home to 12 military installations, including Fort Cavazos, Fort Bliss, and Joint Base San Antonio. VA loans are one of the most common financing options for Texas homebuyers with military service.
USDA Loans: Over 95% of Texas land qualifies as USDA-eligible, including many communities just outside major metro areas.
Milestone serves homebuyers in Houston, Dallas-Fort Worth, San Antonio, Austin, El Paso, Arlington, and all other communities across the state. Conventional loans, FHA, VA, USDA, jumbo, refinancing: your loan officer matches you to the right program. Texas has 12 military bases and over 95% USDA-eligible land, so specialized loan programs matter here more than in most states.
The Texas Department of Savings and Mortgage Lending oversees mortgage companies operating in the state, and Texas has some of the strongest homestead protections in the country. Cash-out refinances are capped at 80% loan-to-value with a mandatory 12-day cooling-off period. Milestone operates within full compliance of this regulatory framework and stays current on down payment assistance programs like My First Texas Home and Homes for Texas Heroes.
Milestone serves homebuyers in 30+ states.
Can’t make it during business hours? Leave a message anytime and we’ll get back to you the next business day.
Milestone has 70+ loan officers ready to help you find the right mortgage. Tell us about your goals and we’ll match you with a loan officer who knows your market and fits your situation.
Loan Officer
Fill out a short form on our website. We'll ask the basics: purchase or refinance, loan amount, and your timeline. Takes about 5 minutes.
Your loan officer reviews your scenario and shops it across 65+ investors. You'll receive personalized loan options and suggestions, not a generic rate sheet.
Once you've chosen the right option, your loan officer locks the rate and walks you through your documents. Upload everything through Milestone's secure portal.
Milestone coordinates with your real estate agent, title company, and appraiser. Clear-to-close in as few as 16 days.
Yes. The Texas State Affordable Housing Corporation and the Texas Department of Housing and Community Affairs run several programs. My First Texas Home offers up to 5% of the mortgage amount as a 30-year, zero-interest second loan for down payment and closing costs. Homes for Texas Heroes provides 3% to 5% in grant or forgivable loan form for eligible buyers, including teachers, first responders, and veterans. Houston, Dallas, Austin, Fort Worth, and San Antonio each run their own city-level assistance programs too.
No. Texas is one of a handful of states with no state-level transfer tax on real estate transactions. Buyers and sellers still pay recording fees (typically $29 to $50 per document), but the absence of a transfer tax reduces closing costs compared to most other states.
Texas homeowners who file a homestead exemption shield $140,000 of their home’s market value from school district property taxes. You apply once through your county appraisal district at no cost, and the exemption stays active until you move. Homeowners 65 and older or those with disabilities qualify for an additional $10,000 school district exemption and a permanent tax ceiling that freezes their school taxes at the year the exemption was granted.
Yes. Texas is one of nine community property states, which means debts taken on during a marriage are generally considered shared. For FHA, VA, and USDA loans, your spouse’s debts count toward your debt-to-income ratio even if they are not on the loan. For conventional loans, a non-purchasing spouse’s debts typically do not factor into qualification. Texas also requires both spouses to sign the deed of trust on a primary residence, regardless of who is on the loan.
Your Milestone loan officer will compare options from 65+ investors to find the right fit for your situation in Texas. Fill out a quick form and a loan officer will reach out to walk you through your options. Not in Texas? Milestone serves homebuyers in 30+ states.
