I too relocated to Texas from California in February (the taxman chased me out) and although there are clearly more programs in CA for the first time buyer, there are some pretty good ones in the Lone Star State. If you haven't already found someone to help you let me know. Our company is licensed in Texas. BTW, I have never seen so much kindness, respect and just genuinely nice people all gathered in one place. You will love it here in Texas, I do! Yes you will miss the weather but there are so many other positives it will more than make up for it.
Best of Luck!
The easy and quick answer is Texas.
You can find a lender in CA or other states that can and do lend in Texas but there may be times when you will need or need to talk face to face. Also there may be things that you need to do in Texas but not in California. I once had a client use an East Coast lender and they required a Radon test or inspection which is not a typical thing in California. Not a big deal but we did have to have a discussion about Radon and then the client had to waive the test/inspection.
If you need a referral to a couple lenders or Realtors I would be happy to send you a some, I have developed relationships there.
Good luck with your move and search,
Brian Wilson, Realtor
You should find a good Realtor in that area - I can recommend a couple - and ask that Realtor who they recommend. Most of us experienced Realtors have favorite lenders who we will wholeheartedly recommend. That relationship is typically built on a long earned trust. For example, in THIS area, I've been successfully working with my homebuying clients for over 36 years, and one of the lenders I recommend has been right beside me for over 30 years.
Back to using a local lender in Austin, there are too many things that can go wrong in a real estate purchase - it is far best to use not only a good local Realtor, but to use a good local lender, so they will be right on top of the transaction, from start to finish. That's MY opinion, anyway. Good luck, in Texas.
Sometime it can be hard to find everything the lender wants once you move
Ingrid Ski Realtor
Good luck and enjoy Texas, Austin is really pretty.