Home is where our heart is. Whether it’s your first place or more space for the family, get there with financing that fits you.

Key Features

  • Competitive Rates
  • Free Prequalification
  • Refinancing Available
  • Variety of Programs
  • Competitive fixed and variable rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Variety of financing programs available:
    • Conventional Mortgage Loans
    • FHA Loans
    • VA Loans
    • USDA Loans
    • Home Improvement Loans
    • Portfolio Loans (custom loan programs)
    • Texas Cash Out Refinance
  • A wide range of terms customized to your unique situation
  • Helpful loan advisors with working knowledge of the local real estate market
  • Free prequalification for extra confidence when buying your home
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Additional Information

  • 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

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