Corpus Christi is a city in South Texas with stunning Gulf Coast beaches and a vibrant coastal lifestyle. The city offers a unique blend of natural beauty, outdoor activities, and cultural experiences in the “Sparkling City by the Sea.”
The housing market in Corpus Christi is currently a buyer’s market, meaning there’s more supply than demand. The median home price sold in 2025 shows a decrease of 2.6% from the previous year, and is staying on the market for an average of 98 days. A significant portion is selling below their asking price, indicating opportunities for buyers to secure a good deal.
If you’re dreaming of a home along the sparkling Texas coast, home loans in Corpus Christi can help turn that vision into reality. Whether you’re a first-time buyer, upgrading to a larger property, or seeking a waterfront retreat, understanding your mortgage options is the key to unlocking the front door to your new home.
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Corpus Christi is more than just a city; it’s a lifestyle. With its stunning coastal scenery, vibrant culture, and growing economy, it’s no surprise that demand for homes, especially waterfront and luxury properties, is on the rise. The city’s diverse neighborhoods cater to families, retirees, and professionals alike, making it an ideal place to settle down.
You have a variety of home loan options to fit your needs and goals:
Conventional Loans
These are ideal if you have solid credit and a steady income, offering competitive rates and flexible terms with down payments as low as 3%–5%. Private Mortgage Insurance (PMI) is required unless you put a 20% down payment.
Insured by the Federal Housing Administration, FHA home loans are designed for buyers with lower credit scores or limited down payment funds, requiring as little as 3.5% down. There is an upfront and a monthly mortgage insurance premium (MIP) on all FHA loans.
If you’re a veteran or active-duty military, VA loans offer zero down payment and no private mortgage insurance, with flexible qualification standards. VA mortgage loans are available for purchase, refinance, or construction.
For homes in eligible rural areas around Corpus Christi, USDA loans provide 100% financing and no down payment requirement.
If you’re purchasing a luxury property above conventional loan limits, jumbo loans offer the higher financing you need. Specifically used to finance high-cost properties, this non-conforming loan provides several benefits that conventional loans cannot offer.
There are several financing options when you’re buying a manufactured home. FHA’s Title I program, Fannie Mae, Freddie Mac, and VA all offer financing for manufactured homes, often with low down payments and flexible terms. These loans can cover just the home, the lot, or both, and may be classified as personal property or real estate depending on your setup.
If you’re self-employed, a gig worker, or have unique income circumstances, non-QM loans provide more flexible qualification standards. They accept alternative income documentation like bank statements and have higher debt-to-income ratios, but may require higher down payments and carry higher interest rates.
Planning to build your dream home? Construction loans cover the costs of building, from land purchase to labor and materials. These loans are typically short-term, with funds released in stages as construction progresses. Some options convert to a permanent mortgage once the home is complete.
Rate-and-Term Refinance: Replace your existing mortgage to secure a better rate, a different loan term, or both, potentially lowering your monthly payment or reducing total interest paid over the life of the loan. This option doesn’t allow you to take significant cash out of your home’s equity.
Cash-Out Refinance: Refinance your mortgage for a higher amount than you owe and receive the difference in cash. This is a popular way to tap into your home’s equity for renovations, debt consolidation, or other major expenses. You’ll typically need at least 20% equity in your home to qualify.
Q: Can I get a loan for a manufactured home in Corpus Christi?
A: Yes, several loan programs are available for manufactured homes, including FHA Title I, Fannie Mae, Freddie Mac, and VA loans, each with specific requirements for the home and land..
Q: Who should consider a non-qualified mortgage loan?
A: Non-QM loans are best for borrowers who don’t meet traditional lending criteria, such as self-employed individuals or those with irregular income. They offer flexible documentation and higher debt allowances, but usually require higher down payments and carry higher rates.
Q: How do construction loans work in Corpus Christi?
A: Construction loans provide short-term funding for building a home, with funds released in phases as work is completed. After construction, you may convert the balance into a standard mortgage.
Q: What’s the difference between a rate-and-term refinance and a cash-out refinance?
A: A rate-and-term refinance changes your loan’s rate, term, or both to improve your payment or interest rate, without getting any cash back. A cash-out refinance lets you borrow more than you owe and take the difference in cash, using your home’s equity, often for major expenses or debt consolidation.
Navigating the mortgage process is simple with the right guidance. Begin by getting pre-qualified, which gives you a clear understanding of your budget and strengthens your home offer. Then you can start shopping for the home of your dreams. From application to underwriting and closing, we will guide you every step of the way, ensuring a smooth and transparent experience.
This is an exciting moment for aspiring homeowners in Corpus Christi, Texas! The local Corpus Christi housing market is currently favoring buyers, meaning you have more leverage to find a fantastic deal. With homes staying on the market longer and a good percentage selling below asking price, now is a prime opportunity to explore your options and potentially secure your dream coastal home for a more favorable price than in recent years.
Call us at (877) 280-4833 to speak with our Corpus Christi Home Loan Specialists and get started on your path to homeownership!
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The Texas Mortgage Pros is proud to serve homebuyers across the city and surrounding areas. Whether you’re just starting the loan process or need expert advice, our local team is here to help with personal guidance, fast service, and competitive loan options for Corpus Christi real estate market.
The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.
