Is Dan actually licensed in Texas, or just able to refer me somewhere?

Dan is personally licensed to originate mortgages in Texas, not just referring you to someone else. He handles your file directly from application through closing.

Do you only work in specific Texas cities?

No, Dan originates loans anywhere in Texas. He has dedicated local pages for major metros like Houston, Dallas, Austin, San Antonio, and Fort Worth, but can finance a purchase anywhere in the state.

How does Texas's lack of state income tax affect my mortgage?

It can work in your favor. Without state income tax withholding, your take-home pay is higher relative to gross income, which Dan factors into your true qualifying picture, especially for buyers relocating from a high-tax state.

Are jumbo loans common in Texas?

Increasingly, yes, especially in Austin, Dallas-Fort Worth's premium suburbs, and Houston's higher-end neighborhoods. Dan's wholesale jumbo lender relationships offer competitive rates statewide.

Dan Ardis | NMLS #1412272 | Personally Licensed in Texas

Texas Mortgage Broker

Name: Dan Ardis
Address: Bakersfield, CA, 93314, US
Telephone: (661) 342-9381
Price range: $$$
Rating: 5

Dan Ardis is personally licensed to originate mortgages across Texas, from Houston and Dallas-Fort Worth to Austin, San Antonio, and West Texas, with a fully remote process built for a state this size.

Apply Now for Free (661) 342-9381

The Texas Housing Market

Texas is one of the most varied real estate markets in the country: no state income tax draws relocating buyers and businesses from every direction, while individual metros behave completely differently from one another. Austin and the DFW suburbs have seen some of the fastest price growth in the state, driven by tech and corporate relocation. Houston's market moves on energy and healthcare employment. San Antonio and El Paso remain some of the more affordable major metros in Texas. Statewide, the 2026 conforming loan limit is $832,750 in most counties, with several higher-cost metro counties eligible for higher limits.

Why Choose Dan Ardis in Texas?

Texas draws a huge volume of relocation buyers, corporate transfers, tech professionals with RSU compensation, energy-sector workers with variable pay, and veterans stationed at one of the state's many military bases. Dan works with lenders who properly document all of these income types, and as a broker with access to 100+ wholesale lenders, he shops the entire state's rate environment rather than quoting from a single bank's rate sheet. Every step is handled remotely, from application to closing, no matter which Texas metro you're buying in.