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Your dreams. Our people. Let's do this.
From the first conversation to the day you get the keys to all the years ahead, we're with you every step of the way.
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Mortgage

Mortgage Specialists

Local knowledge. Local Lenders. Local Decision Making.

First home? Lake house? Rental property? Need to tap into your home's equity? We've been there and done that. For decades, TexasBank has been helping families buy, build, and refinance homes across the state. At TexasBank, you'll work with a team that will take time to understand your goals and help you to navigate every step along the way. We show up, we follow through and we keep things moving.

 



 

 








 

 








 

 







Our Home Financing Products

Find the right loan for your situation.

Every buyer is different. Whether you’re purchasing, building, or tapping into your equity — we have a loan built for your moment.
Mortgage Loans
Purchase financing with local decisions made right here in Texas — not by an algorithm in another state.

Conventional Loan

Steady, predictable payments for buyers with strong credit and a solid down payment.†
  • Down payments as low as 3%
  • 10 to 30 year terms
  • Competitive fixed and variable rates

FHA Loan

A federally backed option designed for first-time buyers who need more flexible qualification standards.†
  • Down payments as low as 3.5%
  • Fixed or adjustable interest rate
  • Flexible terms up to 30 years

VA Loan

Members and veterans of the U.S. Military may qualify for a VA loan to help you purchase a primary residence.†
  • Up to 100% financing (no down payment) for eligible military personnel
  • Fixed principal and interest payments
  • Flexible terms up to 30 years

USDA Loan

Mortgages backed by the U.S. Department of Agriculture in support of qualifying rural and suburban borrowers.†
  • Up to 100% financing for eligible borrowers
  • Fixed principal and interest payments for 30-year term
  • Upfront and annual fees apply

Jumbo Loan

For higher-value homes that go beyond conventional lending limits — with flexible terms and no mortgage insurance in many cases.†
  • Loan amounts above conforming limits
  • Flexible structures available
  • No mortgage insurance in many cases

Preferred Builder Program

Working with a builder? Our preferred builder program helps simplify the process and can provide incentives to reduce closing costs.†
  • Dedicated builder support
  • Flexible financing solutions
  • A relationship you can build on

Jumbo Portfolio Loan

Higher loan limits, flexible structures, and options designed for larger loans-without the added cost of mortgage insurance.†
  • Financing for higher-value homes
  • Portfolio lending flexibility
  • Personalized, local service

Professional & Executive Loan

Designed for high-earning professionals early in their careers — with low or no down payment options and no mortgage insurance requirement.†
  • Low or no down payment
  • No mortgage insurance required
  • Flexible qualification standards



Other Home Loans
Already own a home? Put it to work — or build something new.

Home Equity Loan

Tap into what your home is worth. Use your equity to renovate, consolidate debt, or cover major expenses.†
  • Fixed rate & lump-sum payout
  • Potentially tax-deductible interest
  • Local approval & fast closing

Home Improvement Loan

Fund renovations without touching your equity. Fast approval and structured payments for projects big and small.†
  • Fixed monthly payments
  • Quick local funding

Construction Loan

Build your dream home from the ground up with a seamless draw process and local oversight from start to finish.†
  • Finance land & construction together
  • Converts to permanent mortgage
  • Local draw management
















Already Have a Mortgage? Ask us about refinancing.

Lower your rate, reduce your term, or cash out your equity. Our local lenders can help you decide if refinancing makes sense for your situation.




























Why TexasBank

Big-bank tools. Local-bank relationships.

Everything you need to buy with confidence — digital tools, a local expert in your corner, and programs that work in your favor.
Apply Online — Anytime
Start your mortgage application from your phone, tablet, or laptop — at your own pace, on your own schedule.
  • Upload documents securely
  • Track application status in real time
  • E-sign disclosures digitally
  • Available 24/7
  • Resume where you left off
Local Underwriting
Your loan isn’t processed by an algorithm in another state. Our local underwriters know the Texas market and make real decisions — fast.

Preferred Builder Program
Working with a builder? Our preferred builder program simplifies the process and can provide incentives to reduce your closing costs.

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Banking
Your Local TexasBank

Local Roots. Lasting Relationships.

    Meet the Team
    Your Local TexasBank

    Local Roots. Lasting Relationships.

      Meet the Team

      Resources

      Know before you buy.


      Stay Protected

      Guard Against Mortgage Fraud

      Scammers target homebuyers at every stage — fake wire instructions at closing, phishing emails posing as your lender, deed theft after you've moved in. Know the warning signs and protect what you've worked for.

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      Helpful Information

      Put the numbers to work before you apply

      Use our calculators and resources to get a clear picture of what you can afford, what to expect at closing, and what your monthly payment might look like.

      Mortgage Calculator

      Estimate your monthly payment based on loan amount, term, and interest rate — in seconds.

      Get Prequalified

      Not ready to apply yet? Get prequalified for extra confidence when you start house hunting.

      Mortgage Qualifier

      Find out how much home you may qualify for based on your income, debts, and down payment.

      Refinance Savings

      See how much you could save by refinancing your current mortgage to a lower rate or shorter term.

      Pay My Mortgage

      Already a TexasBank mortgage customer? Log in to make a payment or view your loan details.

      Home Equity Calculator

      Find out how much equity you've built up in your home and how you might be able to put it to work.

      Ready to find your home in Texas?

      More Loan Options

      Looking for a different type of financing?

      Personal

      Auto Loan

      Competitive rates on new and used vehicles. Pre-approval gives you buying power at the dealership.

      Personal

      Personal Term Loan

      Need funds for a life event or project? A personal loan gets you there fast, with no collateral required.

      Business

      Business Loan

      From commercial real estate to SBA loans — TexasBank supports local businesses with tailored financing solutions.