Home Mortgage Loans

It doesn't matter if you're buying your first home or your tenth — TexasBank has been offering and servicing real estate and mortgage loans in our local markets for years, and we have the expertise to prove it. Let our professional loan advisors help you get a custom loan that fits your needs perfectly.

Details
  • TexasBank (NMLS) Institution Number: 539097
  • Individual MLO numbers available upon request.
  • Loans may be originated and serviced by TexasBank
  • Loans may be originated and sold through secondary market investors
  • Flexible terms to meet customer needs
  • Competitive interest rates — fixed and variable
  • Prompt loan approval and closing
  • Pre-qualification available
  • Experienced, friendly loan staff
  • Local decisions by people who know the Central Texas area

We offer:

  • Conventional Mortgage Loans
  • FHA Loans
  • VA Loans
  • USDA Loans
  • Home Improvement Loans
Financing Options

Fixed-Rate Mortgages

A fixed-rate mortgage features an interest rate that remains the same throughout the life of the loan, which means both your monthly principal and interest payment will be steady and predictable. If you are able to contribute a 20-percent down payment or more, you may be able to avoid the cost of private mortgage insurance.

  • Down payments as low as 5%
  • Amortization periods: from 10 to 30 years
  • Fixed/level payment of principal and interest for the life of the loan
  • Balloon payment options not available
  • May require private mortgage insurance

FHA Loans

FHA loans are federally insured, which may require a smaller down payment and may offer a lower interest rate than a comparable conventional loan. This might be the right loan for you if you are a first-time homebuyer or if you have limited cash for a down payment and closing costs.

  • Down payments as low as 3.5%
  • Fixed or adjustable interest rate
  • Flexible terms up to 30 years
  • Requires FHA mortgage insurance
  • Balloon payment options not available 

VA Loans

If you have been a member of the U.S. Military, you may qualify for a VA loan to help you purchase a primary residence. VA loans are federally guaranteed, which can make home buying more affordable with a fixed interest rate and payment, no monthly mortgage insurance to pay, and in some cases, no down payment requirement. If you are a veteran, we would also like to say a special "thank you."

  • Up to 100% financing for eligible military personnel
  • Fixed/level payment of principal and interest for the life of the loan
  • Balloon payment options not available
  • Flexible terms up to 30 years
  • Monthly mortgage insurance not required

USDA Loans

USDA loans are mortgages backed the U.S. Department of Agriculture as part of its USDA Rural Development Guaranteed Housing Loan program.

  • Up to 100% financing for eligible borrowers that meet the income eligibility requirements
  • Fixed/level payment of principal and interest for the life of the loan
  • Balloon payment options not available
  • Upfront and Annual Fees apply
  • 30 yr financing