Bad Credit Rent To Own Texas – Bad Credit Texas Mortgage Lenders
Our Rent Own Texas FHA Mortgage Lenders allow you to select your ideal Texas rent-to-own home. This innovative rent-to-own program is designed for individuals with bad credit in Texas, enabling them to get pre-approved and choose a rent-to-own property that suits their needs. This option to purchase an agreement gives you time to improve your credit and financial situation to qualify for an FHA mortgage. A Texas FHA mortgage lender will purchase the home of your choice and establish a structured financing agreement that allows you to finalize the purchase when you’re ready. Check the Texas FHA rent-to-own loan limits specific to your county. Click “APPLY NOW” in the top right corner to get started!
Rent To Own All Texas:
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Rent To Own Texas Mortgage
• Pick out your own home.
• Primary Homebuyer(s) – Purchase only
• 580+ bad credit up to 96.5% LTV = {3.5% Downpayment}
• 500+ bad credit up to 90% LTV = {10% Downpayment}
• Self-Employed No Tax Returns OK!
• Proof of good payment history.
• Max Debt To Income (DTI) 60%
• Seller paid closing costs up to 6% OK!RENT TO OWN HIGHLIGHTS:
Looking for Bad Credit Texas Mortgage Lenders?
. Here’s a list of bad credit Texas Mortgage minimum requirements:
- Private Mortgage Lenders: Rarely lend on primary homes, no minimum credit, but require at least 50% equity.
- Conventional Mortgage Loans: The minimum credit score required for conventional loans is 620 for Freddie Mac and Fannie.. However, a 10-20% down payment is required with a lower credit score.
- FHA Mortgage Loans: With FHA loans, you can buy a house with a bad credit score as low as 500 with a 10% down payment. If your score is 580 or above, you can put 3.5% down. NO more than two 30-day late payments or one 60-day late payment in the last 24 months.
- VA Mortgage Loans: For VA loans, you can buy a house with a bad credit score as low as 500 with no money down.Manual Underwrite: 24-month VOR/VOM with 0x30 last 12 months.
- USDA Mortgage Loans: USDA loans encourage homeownership in rural areas. USDA mortgage lenders go down to a 500+ credit score.
- No Tax Return Texas Mortgage Lenders– Texas bad credit cashout mortgage refinance with no tax returns using W2 and or 1099 to qualify. Note: these loans are approved based on payment history, not so much credit score. No more than two 30-day late payments or one 60-day late payment in the last 24 months.
- Rent To Own Texas FHA Mortgage Lenders– Our Rent To Own Texas FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS and rent while you build equity. This unique rent-to-own Texas FHA mortgage program allows bad credit Texas mortgage applicants to first get pre-approved and then to pick out the home of their choice. This option allows you time to position your credit and finances to qualify for an FHA mortgage.
Bad Credit Texas Mortgage Down Payment Grid
Program Credit Down Payment Est FHA 500 10% VA 500 0 USDA 550 0 Conventional 620 10-25% Rent To Own 500 5-10% Private 000 35-40% Bad Credit Hard Money Texas Mortgage Refinance:
- Refinance Texas Lis Pendens –
- Refinance Texas Claim of lien –
- Refinance To Pay Texas Tax Lien –
- Refinance Texas Code Violations –
- Refinance Texas Final Judgment –
- Buy-Out-Texas Mortgage Refinance –
- Mortgage with 30-60-90 day late payments –
- Tax Lien For Exemptions and Assessment Refinance –
- Department Of Revenue Warrant
- Refinance Texas HOA
Bad Credit Texas Rent To Own Property Types:
- Single-family home – Texas Bad Credit Mortgage Lenders
- Townhouse- Texas Bad Credit Mortgage Lenders
- Manufactured home – Texas Bad Credit Mortgage Lenders
- Villa – Texas Bad Credit Mortgage Lenders
RENT TO OWN Texas HOMES FOR SALE
Our Rent Own Texas FHA Mortgage Lenders allow you to PICK OUT THE HOME OF YOUR CHOICE listed for sale on the MLS and rent while you build equity. This unique rent-to-own Texas FHA mortgage program allows bad credit Texas mortgage applicants to first get pre-approved and then to pick out the home of their choice. This option allows you time to position your credit and finances to qualify for an FHA mortgage.
Bad Credit Texas Mortgage Questions
Q: Are there Texas mortgage lenders that give loans to people with bad credit?
A: Yes, if you have had a bad credit past and have since recovered, we have lenders that would consider your loan request after 12 months of a timely payment history.
Q: Can I still qualify for a Texas mortgage if I have judgments?
A: A Judgment is considered resolved if the Borrower has entered into a valid agreement and has made timely payments for at least three months. The Borrower cannot prepay.
Q: Can I qualify for a mortgage in Texas if I have a Foreclosure?
A: Case by case lenders gernally want to 24-month waiting period with reestablished credit.
A: Case by case lenders gernally want to 24-month waiting period with reestablished credit.
Q: Can I qualify for a mortgage in Texas with student loan collections?
Yes, but generally no more than 2×30 on housing and installment tradelines in the last 12 months and no more than 2X60 on revolving credit tradelines in the past 12 months.
Q: Can I refinance a Texas mortgage if I have bad Credit?
Yes, it is possible to refinance if you have a bad credit past, and we can show proof of recovery.
Q: What is the lowest credit score for bad credit Texas mortgage lenders?
Most bad credit Texas mortgage lenders have a 500+ minimum credit score.
Q: What are the tradeline requirements for bad credit Texas mortgage lenders?
A: An eligible credit report must reflect at least one (1) tradeline and provide at least 12 months of credit history. Generally, 12 months of documented payment history (in good standing) is required.
Credit Score For Bad Credit Mortgage Options
Keep in mind, bad credit primary home loans are based on payment history and not credit score driven. In addition, the downpayment estimates listed do not include reserves. Some bad credit home loans require several future mortgage payments to be in your account after your down payment and closing costs. For example, if the lender wants 6 months’ reserves, that’s equal to 6 months of mortgage payments in your account after downpayment and closing costs.
Bad credit Texas mortgage lenders can help you refinance or buy in Texas after foreclosure, bankruptcy, repossession, divorce, tax liens, garnishment, student loan default, judgments, collections 30 days, 60 days, 90 days, and 120 days late payments, you can even refinance your home listed MLS for sale on the MLS. In addition, we work with you until we get you approved. Our Bad Credit Texas home loan takes a more common-sense approach to approvals based on your payment history and NOT your credit score. We have bad credit Texas cashout mortgage lenders that will offer Bad Credit Cashout Refinance with 500+ Credit, subject to AUS Approval. Exploring government-backed FHA and VA loans, and private Texas bad credit mortgage lenders.
Bad Credit Mortgage Lenders Requirements
| CASH | Min 10% downpayment if your credit score is between 500-579. The maximum seller-paid closing cost of 6% must be requested in your purchase contract. Reserves can help your chances of approval with bad credit. Bad Credit Cashout Refinance with 500+ Credit, subject to AUS Approval. |
| CREDIT | Minimum 500+ credit score – based on payment history, NOT credit score driven. |
| CAPACITY | 31/43 can go up to 37/47 with 3 months of reserves, and 40/50 if your new mortgage is no more than 5% of your current rental history. |
| COLLATERAL | Single-family homes are multi-family 2-4 units, townhomes, villas, FHA-approved condos, manufactured, and modular homes. |
| SUMMARY | FHA mortgage loans are the easiest and most affordable loans to qualify for. In regards to bad credit, you must show ability and willingness to repay to qualify with a bad credit Texas mortgage lender. |
Bad Credit Texas Mortgage Alternatives:
- FHA Bad Credit Mortgage Lenders – {500+ with 10% down}
- USDA Bad Credit Mortgage Lenders – {500+ with 0% down}
- VA Bad Credit Texas Mortgage Lenders – {500+ with 0% down}
- NON-QM Bad Credit Mortgage Lenders – {500+ with 0% down}
- Bad Credit Texas Mortgage Lenders – {500+ with 0% down}
- Super Jumbo Bad Credit Mortgage Lenders – {500+ with 10% down}
Satisfactory Payment History Needed To Qualify
| Payment History | 12 Months | 24 Months |
| Housing And Installment Maximum Late Payments | 2 x 30 | 2 x 30 |
| Revolving Credit Maximum Late Payments | 2 x 60 , 0 x 90 | — |
FHA Bad Credit Texas Mortgage Lenders
Texas FHA Mortgage Loans are popular and help bad credit Texas mortgage applicants qualify with a 500+ credit score. FHA mortgage loans are popular for bad-credit Texas first-time buyers with low credit scores because they are not credit score-driven and require a lower downpayment than a subprime Texas bad-credit mortgage Lender. Texas Bad Credit VA mortgage lenders provide up to 100% financing for Texas veterans and their families. USDA is short for the United States Department of Agriculture also provides 100% Texas home loans for lower-income and rural homebuyers. Bad credit Texas mortgage lenders, based on payment history, are Not Credit Score-driven.
The FHA insured 82% of Texas first-time home buyers with credit scores below 680 and down payments under 5%, according to its 2025 FHA annual mortgage report. First-time homebuyers made up 82% of total loans, around 498,000, making the FHA mortgage the most popular mortgage for Texas mortgage for applicants with bad credit or Texas first-time buyers.
Rent To Own Texas FHA Mortgage Program
Rent Own FHA Mortgage Lenders program turns renters into future Texas homeowners by offering a lease-to-own solution with earned equity. This unique program allows homebuyers to rent to own, not as ordinary “renters” but as future homeowners, while building equity and positioning their credit and finances for an FHA mortgage lender. An FHA-eligible Government Entity to purchase a home that can ultimately be purchased by you, providing housing stability and equity creation. This program is great if you’re close to qualifying for an FHA mortgage but need more time to get your credit and finances in order.
Private Bad Credit Texas Mortgage Lenders
Private Texas mortgage lenders and hard money loans provide a higher interest rate option for bad credit Texas mortgage applicants looking to buy or refinance a home. These loans are offered by private lenders who prioritize the value of the property over credit scores, making them accessible to those with derogatory credit events such as bankruptcies, foreclosures, or other financial challenges.
Private Texas mortgage lenders currently prohibit a creditor from making a higher-priced mortgage loan without regard to the consumer’s ability to repay the loan. The final rule implements sections of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), which generally require private Texas bad credit mortgage lenders to make a reasonable, good faith determination of a mortgage applicant’s ability to repay any consumer bad credit transaction secured by a dwelling and establishes certain protections from liability under this requirement for “qualified mortgages.” The final rule also implements the Dodd-Frank Act, which limits prepayment penalties. Finally, the final rule requires creditors to retain evidence of compliance with the rule for three years after a covered loan is closed.
Manual Underwriting For Bad Credit!
Few Texas mortgage lenders offer manual underwrites. To explain further, AUS and LPA are a computer program that helps Texas mortgage lenders process to know whether the loan can be sold or not. The computer program measures the borrower’s cash, credit, income, and debt-to-income ratio requirements to qualify for the mortgage. Mortgage loan applications that receive an Automated Underwriting System approval or denial are used to determine if the loan is eligible to be sold or not. If the loan can be sold, just about any Texas bad credit mortgage lender will make the loan; if not, you will need a manual underwrite.
Compensating Factors Help You Get Approved
Acceptable compensating factors that might help your approval with bad credit include the following:
- Reserves – Documented cash reserves equal to or exceeding 3+ months of the total monthly mortgage payments.
- Rental History – The new total monthly mortgage payment is not to exceed more than 100 or 5% higher than the previous total monthly housing payment, whichever is less, and there is a documented twelve-month housing payment history with no late payments.
- Additional Income – Verified and documented additional income that is not considered effective income.
Understand Credit Score requirements.
Every Texas mortgage lender has their minimum credit score and payment history requirements. For Conventional mortgage loans sold to Fannie Mae, minimum credit score and Freddie Mac, minimum credit score requirement, there are NO exceptions; minimum 620+ credit score with AUS or LPA automated loan approval!“If you have a lower 500 credit score, then you have some work to do. Bad credit Texas mortgage applicants can check their credit for free once a year at
- Annualcreditreport.com – Free pull once a year.
- Experian
- Credit Karma
- Credit Sesame
Regularly checking your credit score helps you learn about what improvements you can make.
Call All Collection Accounts!
This action, by far, will have the greatest impact on increasing your credit score, but it’s sometimes hard to achieve; either way, it’s worth a shot. Call all your collection accounts on your credit report and ask if they will accept a settlement for deletion. In the collector’s eyes, they would rather get something than nothing. And, if they agree to remove the collection, you will want to get the agreement in writing first before you pay. This will help ensure that the collection will be removed when you mail the paid receipt with the agreement with the creditor to the credit agencies.
Lower Your Debt-to-Income Ratio!
Your DTI or debt-to-income (DTI) ratio compares your monthly debt payments to your monthly income. The lower your DTI ratio, the higher your credit score, and the more appealing you are to a Texas bad credit mortgage lender. To increase your credit score before applying for a mortgage, aim to pay down as many revolving accounts as possible first because revolving accounts help to increase your score faster. And, any installment account with less than 10 months of remaining payments can be negated from your monthly Debt-to-Income Ratios.
Private Texas Mortgage Lenders For Bad Credit!
A private Texas mortgage lender might help. But Frank Dodd mortgage rules require all Texas bad credit mortgage lenders to verify your ability and willingness to repay a mortgage loan on a primary home. For a primary home purchase, even Texas loan sharks are capped by how much they can make lending to borrowers with bad credit.
Letter Of Explanation To Help Get You Approved!
Explain to the lender what happened that you could not control and why this will not happen again going into the future. You must have a good payment history after the credit event for this to work.
Does a Lower Credit Score Affect the Interest Rate?
Yes, a lower credit score will impact your interest rate. When you have a lower credit score, bad credit mortgage lenders will increase your interest rate to compensate for the higher risk. In the same way, a higher credit score shows you a lower risk and will help you earn a better rate. Government loans are backed by the U.S. Department of Housing and Urban Development (HUD) and provide more opportunities for borrowers with lower credit scores.
Does a Lower Credit Score Affect the Closing Costs?
Your lower credit scores will affect your closing costs because bad credit Texas mortgage lenders often charge points to help offset the increased risk. Discount points are a way for you to qualify with a bad credit lender if your loan request is considered higher risk. If your credit score results in a higher rate, you may decide to buy discount points to lower it. Sometimes, you can finance the costs of discount points into your mortgage loan amount. Other times, you may be required to pay them to get your loan closed.
Texas Rent To Own Home Loan
How To Get A Texas Mortgage With No Tax Returns?
No Tax Return Texas Mortgage Lenders Yes, you can qualify for a Texas mortgage with No Tax Returns. Purchase a Texas home or Cash-out mortgage
Rent To Own Texas Mortage Lenders
Rent To Own Texas Homes For Sale Our Rent Own Texas FHA Mortgage Lenders allow you to pick out your Texas rent-to-own home. This unique
Bad Credit Texas Rent To Own All Texas, Including:
| Abbott Hill County Abernathy Hale County Abilene Jones County Ace Polk County Ackerly Dawson County Addison Dallas County Adkins Bexar County Adrian Oldham County Afton Dickens County Agua Dulce Nueces Aiken Floyd County Alamo Hidalgo County Alamo Heights Bexar Alanreed Gray County Alba Rains County Albanu Shackelford County Albany Shackelford County Albert Gillespie County Aldine Harris County Aledo Parker County Algoa Brazoria County Alice Jim Wells Alice Southwest Jim Alief Harris County Allen Collin County Alleyton Colorado County Allison Wheeler County Alma Ellis County Alpine Brewster County Alta Loma Galveston Altair Colorado County Alto Cherokee County Alton Hidalgo County Alvarado Johnson County Alvin Brazoria County Alvord Wise County Amarillo Potter County Ames Liberty County Amherst Lamb County Anahuac Chambers County Anderson Grimes County Andice Williamson County Andrews Andrews County Angleton Brazoria County Angleton South Brazoria Angus Navarro County Anna Collin County Annetta Parker County Annetta North Parker Annetta South Parker Annona Red River Anson Jones County Anthony El Paso Anton Hockley County Appleby Nocogdoches County Apple Springs Trinity Aquilla Hill County Aransas Pass Aransas Arcadia Galveston County Archer Galveston County Archer City Archer Arcola Fort Bend Argyle Denton County Arlington Tarrant County Armstrong Kenedy County Arp Smith County Art Mason County Artesia Wells La Arthur City Lamar Asherton Dimmit County Aspermont Stonewall County Atascosa Bexar County Athens Henderson County Atlanta Cass County Aubrey Denton County Aurora Wise County Austin Travis County Austonio Houston County Austwell Refugio County Avalon Ellis County Avery Red River Avinger Cass County Avoca Jones County Axtell McLennan County Azle Parker County Bacliff Galveston County Bagwell Red River Bailey Fannin County Bailey’s Prairie Brazoria Baird Callahan County Balch Springs Dallas Balcones Heights Bexar Ballinger Runnels County Balmorhea Reeves County Bandera Bandera County Bangs Brown County Banquete Nueces County Bardwell Ellis County Barker Harris County Barksdale Edwards County Barnhart Irion County Barnum Polk County Barrett Harris County Barry Navarro County Barstow Ward County Bartlett Bell County Bartonville Denton County Bastrop Bastrop County Batesville Zavala County Batson Hardin County Bay City Matagorda Bayou Vista Galveston Bayside Refugio County Baytown Chambers County Bayview Cameron County Beach Montgomery County Beach City Chambers Beasley Fort Bend Beaumont Jefferson County Beaumont Place Harris Bebe Gonzales County Beckville Panola County Bedford Tarrant County Bedias Grimes County Bee Cave Travis Bee Caves Travis Bee House Coryell Beeville Bee County Bellaire Harris County Bellemead McLennan County Bellevue Clay County Bells Grayson County Bellville Austin County Belmont Gonzales County Belton Bell County Ben Arnold Milam Benavides Duval County Ben Bolt Jim Benbrook Tarrant County Bend Lampasas County Ben Franklin Delta Benjamin Knox County Ben Wheeler Van Benavides Duval County Berclair Goliad County Bergheim Kendall County Berryville Henderson County Bertram Burnet County Bessmay Buna Jasper Best Reagan County Beverly Hills McLennan Bevil Oaks Jefferson Big Bend Brewster Big Bend National Park Big Lake Reagan Big Sandy Upshur Big Spring Howard Big Wells Dimmit Bigfoot Frio County Biggs El Paso Biggs Field El Birome Hill County Bishop Nueces County Bivins Cass County Black Parmer County Blackwell Coke County Blanco Blanco County Blanket Brown County Bledsoe Cochran County Bleiblerville Austin County Blessing Matagorda County Bloomburg Cass County Blooming Grove Navarro Bloominton Victoria County Blossom Lamar County Bluegrove Clay County Blue Mound Tarrant Blue Ridge Collin Bluff Dale Erath Bluffton Llano County Blum Hill County Boerne Kendall County Bogata Red River Boling Wharton County Bon Ami Jasper Bonanza Hill County Bonham Fannin County Bonney Brazoria County Bon Wier Newton Booker Lipscomb County Booth Fort Bend Borger Hutchinson County Boston Bowie County Bovina Parmer County Bowie Montague County Boyd Wise County Boys Ranch Oldham Bracketville Kinney County Brady McCulloch County Brandon Hill County Brashear Hopkins County Brazoria Brazoria County Breckenridge Stephens County Bremond Robertson County Brenham Washington County Briar Parker County Briarcliff Travis County Briaroaks Johnson County Bridge City Orange Bridgeport Wise County Briggs Burnet County Briscoe Wheeler County Broaddus San Augustine Brock Parker County Bronson Sabine County Bronte Coke County Brookeland Sabine County Brookesmith Brown County Brooks Air Force Base Brookshire Waller County Brookside Village Brazoria Brookston Lamar County Browndell Jasper County Brownfield Terry County Brownsboro Henderson County Brownsville Cameron County Brownwood Brown County Bruceville McLennan County Bruceville Eddy Falls Bruni Webb County Bryan Brazos County Bryson Jack County Buchanan Dam #NAME? 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Tom Green Carlton Hamilton County Carmine Fayette County Carrizo Springs Dimmit County Carrollton Dallas County Carswell Air Force Base Carthage Panola County Cason Morris County Castell Llano County Castle Hills Bexar Castroville Medina County Cat Spring Austin Catarina Dimmit County Cayuga Anderson County Cedar Creek Bastrop Cedar Hill Dallas Cedar Lane Matagorda Cedar Park Travis Cee Vee Cottle Celeste Hunt County Celina Collin County Center Shelby County Center Point Kerr Centerville Leon County Centralia Trinity County Chalk Cottle County Champions Harris County Chandler Henderson County Channelview Harris County Channing Hartley County Chapman Ranch Nueces Chappell Hill Washington Charlotte Atascosta County Chase Bee County Chatfield Navarro County Cherokee San Saba Chester Tyler County Chico Wise County Chicota Lamar County Childress Childress County Chillicothe Hardeman County Chilton Falls County China Jefferson County China Grove Bexar China Spring McLennan Chireno 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County Greenwood Wise County Gregory San Patricio Grey Forest Bexar Griffing Park Jefferson Groesbeck Limestone County Groom Carson County Groves Jefferson County Groveton Trinity County Gruene Comal County Grulla Starr County Gruver Hansford County Guerra Jim Hogg Gun Barrel City Gunter Grayson County Gustine Comanche County Guthrie King County Guy Fort Bend Hackberry Denton County Hale Center Hale Hallettsville Lavaca County Hallsburg McLennan County Hallsville Harrison County Haltom City Tarrant Hamilton Hamilton County Hamlin Fisher County Hamshire Jefferson County Hankamer Chambers County Happy Armstrong County Hardin Liberty County |
Nevada Collin County New Baden Robertson New Berlin Guadalupe New Boston Bowie New Braunfels Comal New Caney Montgomery New Chapel Hill Smith County New Deal Lubbock New Diana Upshur New Home Lynn New Hope Collin New London Rusk New Summerfield Cherokee New Ulm Austin New Waverly Walker Newark Tarrant County Newcastle Young County Newgulf Wharton County Newton Newton County Neylandville Hunt County Niederwald Caldwell County Nixon Gonzales County Nocona Montague County Nolan Nolan County Nolanville Bell County Nome Jefferson County Noonday Smith County Nordheim De Witt Normangee Leon County Normanna Bee County North Cleveland Leon North Crest McLennan North Lake Denton North Houston Harris North Richland Hills North San Pedro North Zulch Madison Northfield Childress County Norton Runnels County Notrees Ector County Novice Coleman County Nursery Victoria County O’Brien Haskell County O’Donnell Dawson County Oak Grove Kaufman Oak Leaf Ellis Oak Point Denton Oak Ridge Cooke Oak Ridge North Oak Valley Navarro Oakhurst San Jacinto Oakland Colorado County Oakville Live Oak Oakwood Leon County Odell Wilbarger County Odem – San Patricio Odessa Ector County Odonnell Lynn County Oglesby Coryell County Oilton Webb County Oklaunion Wilbarger County Old Glory Stonewall Old Ocean Brazoria Old River Winfree Olden Eastland County Olmito Cameron County Olmos Park Bexar Olney Young County Olton Lamb County Omaha Morris County Onalaska Polk County Opdyke West Hockley Orange Orange County Orange Grove Jim Orangefield Orange County Orchard Fort Bend Ore City Upshur Orla Reeves County Ottine Gonzales County Otto Falls County Ovalo Taylor County Overton Rusk County Ovilla Dallas County Oyster Creek Brazoria Ozona Crockett County Paducah Cottle County Paige Bastrop County Paint Rock Concho Palacios Matagorda County Palestine Anderson County Palisades Randall County Palm Valley Cameron Palmer Ellis County Palmhurst Hidalgo County Palmview Hidalgo County Palo Pinto Palo Paluxy Hood County Pampa Gray County Pandora Wilson County Panhandle Carson County Panna Maria Karnes Panola Panola County Panorama Village Montgomery Pantego Tarrant County Panther Creek Montgomery Paradise Wise County Paris Lamar County Park Row Harris Parker Collin County Pasadena Harris County Pattison Waller County Patton Village Montgomery Pattonville Lamar County Pawnee Bee County Payne Springs Henderson Pear Ridge Jefferson Pear Valley McCulloch Pearland Brazoria County Pearsall Frio County Peaster Parker County Pecan Gap Delta Pecan Hill Ellis Pecos Reeves County Peggy Atascosa County Pelican Bay Parker Pendleton Bell County Penelope Hill County Penitas Hidalgo County Pennington Trinity County Penwell Ector County Pep Hockley County Pernitas Point Jim Perrin Jack County Perry Falls County Perryton Ochiltree County Petersburg Hale County Petrolia Clay County Petronila Nueces County Pettus Bee County Petty Lamar County Pflugerville Travis County Pharr Hidalgo County Phillips Hutchinson County Pickton Hopkins County Pierce Wharton County Pilot Point Denton Pine Forest Orange Pine Island Waller Pinehurst Orange County Pineland Sabine County Piney Point Village Pipe Creek Bandera Pittsburg Camp County Placedo Victoria County Plains Yoakum County Plainview Hale County Plano Collin County Plantersville Grimes County Pleak Fort Bend Pleasant Valley Wichita Pleasanton Atascosa County Pledger Matagorda County Plum Fayette County Plum Grove Liberty Point Rains County Point Blank San Point Comfort Calhoun Pollok Angelina County Ponder Denton County Pontotoc Mason County Poolville Parker County Port Acres Jefferson Port Aransas Aransas Port Arthur Jefferson Port Bolivar Galveston Port Isabel Cameron Port Lavaca Calhoun Port Mansfield Willacy Port Neches Jefferson Port O’Connor Calhoun Porter Montgomery County Portland Nueces County Possum Kingdom Lake Post Garza County Post Oak Bend Poteet Atascosa County Poth Wilson County Pottsboro Grayson County Pottsville Hamilton County Powderly Lamar County Powell Navarro County Poynor Henderson County Prairie Hill Limestone Prairie Lea Caldwell Prairie View Waller Premont Jim Wells Presidio Presidio County Price Rusk County Priddy Mills County Primera Cameron County Princeton Collin County Proctor Comanche County Progreso Hidalgo County Progreso Lakes Hidalgo Prosper Collin County Purdon Navarro County Purmela Coryell County Putnam Callahan County Pyote Ward County Quail Collingsworth County Quanah Hardeman County Queen City Cass Quemado Maverick County Quinlan Hunt County Quintana Brazoria County Quitaque Briscoe County Quitman Wood County Rainbow Somervell County Raisin Victoria County Ralls Crosby County Rancho Viejo Jim Randolph Bexar County Ranger Eastland County Rangerville Cameron County Rankin Upton County Ransom Canyon Lubbock Ratcliff Houston County Ravenna Fannin County Raymondville Willacy County Raywood Liberty County Reagan Falls County Realitos Duval County Recycle Wilson County Red Oak Ellis Red Rock Bastrop Redford Presidio County Redwater Bowie County Reese Air Force Base Refugio Refugio County Reklaw Cherokee County Reno Lamar County Retreat Navarro County Rhome Wise County Rice Ellis County Richards Grimes County Richardson Dallas County Richland Navarro County Richland Hills Tarrant Richland Springs San Richmond Fort Bend Richwood Brazoria County Ridge Robertson County Riesel McLennan County Ringgold Montague County Rio Bravo Webb Rio Frio Real Rio Grande City Rio Hondo Cameron Rio Medina Medina Rio Vista Johnson Rising Star Eastland River Oaks Tarrant Riverside Walker County Riviera Kleberg County Roanoke Denton County Roans Prairie Grimes Roaring Springs Motley Robert Lee Coke Robinson McLennan County Robstown Nueces County Roby Fisher County Rochelle McCulloch County Rochester Haskell County Rock Island Colorado Rockdale Milam County Rockland Tyler County Rockport Aransas County Rocksprings Edwards County Rockwall Rockwall County Rockwood Coleman County Rocky Mound Camp Roganville Jasper County Rogers Bell County Rolling Meadows Gregg Rollingwood Travis County Roma Starr County Roma Los Saenz Roman Forest Montgomery Romayor Liberty County Roosevelt Kimble County Ropesville Hockley County Rosanky Bastrop County Roscoe Nolan County Rose City Orange Rose Hill Acres Rosebud Falls County Rosenberg Fort Bend Rosharon Brazoria County Ross McLennan County Rosser Kaufman County Rosston Cooke County Rotan Fisher County Round Mountain Blanco Round Rock Travis Round Top Fayette Rowena Runnels County Rowlett Dallas County Roxton Lamar County Royalty Ward County Royse City Rockwall Rule Haskell County Runaway Bay Wise Runge Karnes County Rusk Cherokee County Rye Liberty County Rylie Dallas County Sabinal Uvalde County Sabine Pass Jefferson Sachse Collin County Sacul Nacogdoches County Sadler Grayson County Sagerton Haskell County Saginaw Tarrant County Saint Hedwig Bexar Saint Jo Montague Saint Paul Collin Salado Bell County Salineno Starr County Salt Flat Hudspeth Saltillo Hopkins County Sam Houston – San Sam Rayburn Jasper Samnorwood Collingsworth County San Angelo Tom San Antonio Bexar San Augustine San San Benito Cameron San Diego Duval San Elizario El San Felipe Austin San Isidro Starr San Juan Hidalgo San Leanna Travis San Leon Galveston San Marcos Caldwell San Patricio San San Perlita Willacy San Saba San San Ygnacio Zapata Sanctuary Parker County Sanderson Terrell County Sandia Jim Wells Sandy Blanco County Sanford Hutchinson County Sanger Denton County Sansom Park Tarrant Santa Anna Coleman Santa Elena Starr Santa Fe Galveston Santa Maria Cameron Santa Rosa Cameron Santo Palo Pinto Saragosa Reeves County Saratoga Hardin County Sargent Matagorda County Sarita Kenedy County Satin Falls County Savoy Fannin County Schertz Bexar County Schulenburg Fayette County Schwertner Williamson County Scotland Archer County Scottsville Harrison County Scroggins Franklin County Scurry Kaufman County Seabrook Chambers County Seadrift Calhoun County Seagoville Dallas County Seagraves Gaines County Sealy Austin County Sebastian Willacy County Segno Polk County Seguin Guadalupe County Selma Bexar County Selman City Rusk Seminole Gaines County Seth Ward Hale Seven Oaks Polk Seven Points Henderson Seymour Baylor County Shady Shores Denton Shafter Presidio County Shallowater Lubbock County Shamrock Wheeler County Shavano Park Bexar Sheffield Pecos County Shelbyville Shelby County Sheldon Harris County Shenandoah Montgomery County Shepherd San Jacinto Sheppard Air Force Base Sheridan Colorado County Sherman Grayson County Shiner Lavaca County Shiro Grimes County Shoreacres Chamber County Sidney Comanche County Sierra Blanca Hudspeth Silsbee Hardin County Silver Coke County Silverton Briscoe County Simms Bowie County Simonton Fort Bend Sinton San Patricio Sisterdale Kendall County Skellytown Carson County Skidmore Bee County Slaton Lubbock County Slidell Wise County Slocum Anderson County Smiley Gonzales County Smithville Bastrop County Smyer Hockley County Snook Burleson County Snyder Scurry County Socorro El Paso Somerset Bexar County Somerville Burleson County Sonora Sutton County Sour Lake Hardin South Bend Young South Houston Harris South Mountain Coryell South Padre Island South Plains Floyd South San Padre Island South Texarkana Bowie Southlake Denton County Southland Lubbock County Southmayd Grayson County Southside Place Harris Spade Lamb County Speaks Lavaca County Spearman Hansford County Spicewood Travis County Splendora Montgomery County Spofford Kinney County Spring Harris County Spring Branch Comal Spring Valley Harris Springlake Lamb County Springtown Parker County Spur Dickens County Spurger Tyler County Stafford Fort Bend Stagecoach Montgomery County Stamford Haskell County Stanton Martin County Staples Guadalupe County Star Mills County Star Harbor Henderson Stephenville Erath County Sterling City Sterling Stinnett Hutchinson County Stockdale Wilson County Stonewall Gillespie County Stowell Chambers County Stratford Sherman County Strawn Palo Pinto Streetman Freestone County Sublime Lavaca County Sudan Lamb County Sugar Land Fort Sullivan City Hidalgo Sulphur Bluff Hopkins Sulphur Springs Hopkins Summerfield Castro County Sumner Lamar County Sun City Williamson Sun Valley Lamar Sundown Hockley County Sunnyvale Dallas County Sunray More County Sunrise Falls County Sunrise Beach Village Sunset Montague County Sunset Valley Travis Surfside Beach Brazoria Sutherland Springs Wilson Sweeny Brazoria County Sweet Home Lavaca Sweetwater Nolan County Sylvester Fisher County Taft San Patricio Taft Southwest San Tahoka Lynn County Talco Franklin County Talpa Coleman County Tarpley Bandera County Tarzan Martin County Tatum Panola County Taylor Williamson County Taylor Lake Village Teague Freestone County Tehuacana Limestone County Telegraph Edwards County Telephone Fannin County Telferner Victoria County Tell Childress County Temple Bell County Tenaha Shelby County Tennessee Colony Anderson Tennyson Coke County Terlingua Brewster County Terrell Kaufman County Terrell Hills Bexar Texarkana Bowie County Texas City Galveston Texhoma Sherman County Texline Dallam County Texon Reagan County The Colony Denton The Woodlands Montgomery Thicket Hardin County Thomaston De Witt Thompsons Fort Bend Thorndale Milam County Thornton Limestone County Thorntonville Ward County Thrall Williamson County Three Rivers Live Throckmorton Throckmorton County Tiki Island Galveston Tilden McMullen County Timbercreek Canyon Randall Timpson Shelby County Tioga Grayson County Tira Hopkins County Tivoli Refugio County Toco Lamar County Todd Mission Grimes Tokio Yoakum County Tolar Hood County Toledo Bend Lake Tom Bean Grayson Tomball Harris County Tool Henderson County Tornillo El Paso Tow Llano County Toyah Reeves County Toyahvale Reeves County Trent Taylor County Trenton Fannin County Trinidad Henderson County Trinity Trinity County Trophy Club Denton Troup Cherokee County Troy Bell County Truscott Foard County Tuleta Bee County Tulia Swisher County Turkey Hall County Turnertown Rusk County Tuscola Taylor County Twitty Wheeler County Tye Taylor County Tyler Smith County Tynan Bee County Uhland Hays County Umbarger Randall County Uncertain Harrison County Union Grove Upshur Universal City Bexar University Park Dallas Utopia Uvalde County Uvalde Uvalde County Valentine Jeff Davis Valera Coleman County Valle de Oro Valley Mills Bosque Valley Spring Llano Valley View Cooke Van Van Zandt Van Alstyne Grayson Van Horn Culberson Van Vleck Matagorda Vancourt Tom Green Vanderbilt Jackson County Vanderpool Bandera County Vealmoor Howard County Vega Oldham County Venus Ellis County Verhalen Reeves County Veribest Tom Green Vernon Wilbarger County Victoria Victoria County Vidor Orange County Vigo Park Swisher Village Mills Hardin Vinton El Paso Voca McCulloch County Von Ormy Bexar Voss Coleman County Votaw Hardin County Voth Jefferson County Waco McLennan County Wadsworth Matagorda County Waelder Gonzales County Waka Ochiltree County Wake Village Bowie Walburg Williamson County Wall Tom Green Waller Harris County Wallis Austin County Wallisville Chambers County Walnut Springs Bosque Warda Fayette County Waring Kendall County Warren Tyler County Warren City Gregg Warrenton Fayette County Washington Washington County Waskom Harrison County Watauga Tarrant County Water Valley Tom Waxahachie Ellis County Wayside Armstrong County Weatherford Parker County Webster Harris County Weesatche Goliad County Weimar Colorado County Weinert Haskell County Weir Williamson County Welch Dawson County Wellborn Brazos County Wellington Collingsworth County Wellman Terry County Wells Cherokee County Weslaco Hidalgo County West McLennan County West Carlisle Lubbock West Columbia Brazoria West Lake Hills West Orange Orange West Point Fayette West Tawakoni Hunt West University Place Westbrook Mitchell County Westchase District Harris Westhoff De Witt Westlake – Tarrant County Westminster Collin County Weston Collin County Westover Hills Tarrant Westworth Tarrant County Wetmore Bexar County Wharton Wharton County Wheeler Wheeler County Wheelock Robertson County White Deer Carson White Oak Gregg White Settlement Tarrant Whiteface Cochran County Whitehouse Smith County Whitesboro Grayson County Whitewright Fannin County Whitharral Hockley County Whitney Hill County Whitsett Live Oak Whitt Parker County Whon Coleman County Wichita Falls Archer Wickett Ward County Wiergate Newton County Wildorado Oldham County Wild Peach Village Wilford Hall U S Willis Montgomery County Willow City Gillespie Willow Park Parker Wills Point Van Wilmer Dallas County Wilson Lynn County Wimberley Hays County Winchester Fayette County Windcrest Bexar County Windom Fannin County Windthorst Archer County Winfield Titus County Wingate Runnels County Wink Winkler County Winnie Chambers County Winnsboro Franklin County Winona Smith County Winters Runnels County Wixon Valley Brazos Woden Nacogdoches County Wolfe City Hunt Wolfforth Lubbock County Woodbranch Montgomery County Woodcreek Hays County Woodlake Trinity County Woodlands Harris County Woodlawn Harrison County Woodloch Montgomery County Woodsboro Refugio County Woodson Throckmorton County Woodville Tyler County Woodway McLennan County Wortham Freestone County Wrightsboro Gonzales County Wylie Collin County Yancey Medina County Yantis Wood County Yoakum De Witt Yorktown De Witt Zapata Zapata County Zavalla Angelina County Zephyr Brown County |
