I haven't had a chance to work with Texas One. Knowing the track record of the company overall is important to some degree, but you'd really like to know about who your loan officer would be and how accountable and effective they are. I could work with any lender in the area or on the net, though I choose to work with lenders who I have positive past experience with. I recommend Monica Jenkins, with AmeriPro. They have in-house underwriting and can make the buying process much smoother and quicker, than going with a small time bank or lending office who have to send their loans to outside underwriting.