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Find the Perfect Loan for Your Dream Home in Texas

There are several types of mortgage loans available. It's important to consider the terms and conditions, interest rates, and fees associated with each type of mortgage loan before making a decision.

A better way to find a home loan

First Time Home Loan

A first-time home loan is a type of mortgage loan designed for individuals who are purchasing a home for the first time. It often comes with lower interest rates and down payment requirements, and may have specific eligibility criteria.

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VA Loan

If you are a veteran, active member of the military, or military spouse, you may qualify for a VA loan! The Department of Veterans Affairs offers VA loans. You may qualify for fast approval and a hassle-free loan, even with less-than-perfect credit.

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Conventional Loan

Conventional loans are often more flexible than government-backed loans, such as FHA or VA loans, in terms of loan amounts, down payment requirements, and credit score requirements.

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Jumbo Home

Jumbo home loan is a type of mortgage that is designed to finance the purchase of high-value homes that exceed the maximum conforming loan limits set by Fannie Mae and Freddie Mac, the two government-sponsored enterprises that provide liquidity to the U.S. housing market. Jumbo loans are considered "non-conforming" loans because they do not conform to these loan limits.

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Adjustable Rate Mortgage

An adjustable rate mortgage (ARM) is a type of mortgage loan where the interest rate can fluctuate over time based on changes in a benchmark interest rate, such as the London Interbank Offered Rate (LIBOR) or the Treasury Index. Unlike a fixed-rate mortgage, where the interest rate remains the same for the life of the loan.

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Fixed Rate Loan

A fixed rate home loan is a type of mortgage loan where the interest rate remains the same for the entire term of the loan, typically 15 or 30 years. This means that your monthly mortgage payments will remain the same over the life of the loan, providing a sense of stability and predictability for homeowners.

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Home Purchase Loan

A home purchase loan is a type of loan used to finance the purchase of a home. It is a type of mortgage loan that is typically offered by banks, credit unions, and other lenders. When a borrower obtains a home purchase loan, the lender provides funds to purchase the property, and the borrower agrees to repay the loan over a set period of time, typically 15, 20, or 30 years.

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USDA Loan

A USDA loan is a type of mortgage loan that is offered by the United States Department of Agriculture (USDA) to help low- and moderate-income borrowers purchase homes in rural areas. The program is designed to encourage home ownership and stimulate economic growth in rural areas.

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Zero Down Home Loan

A zero down home loan is a type of mortgage that allows homebuyers to purchase a home without making a down payment. Typically, a down payment is a percentage of the home's purchase price that the buyer must pay upfront. The down payment is intended to reduce the lender's risk by ensuring that the homebuyer has a financial stake in the property.

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Teacher Loan

A Teacher loan is a type of mortgage loan designed for individuals who are purchasing a home and are an educator. It often comes with lower interest rates and down payment requirements, and may have specific eligibility criteria.

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1099 Income Loan

Designed for individuals who receive income as an independent contractor or freelancer, rather than as an employee. This type of loan can be useful for those who have non-traditional income sources but still need access to credit.

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Cash Out Refinance

Cash-out refinance is a type of mortgage refinancing where a borrower replaces their existing mortgage with a new loan for more than the amount owed on their home, and then receives the difference in cash.

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2-1 Buydown

A 2-1 buydown is a type of mortgage financing arrangement where the borrower pays a reduced interest rate for the first two years of the loan, after which the rate increases to a higher level for the remaining term of the loan.

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Debt Consolidation

Debt consolidation is the process of combining multiple debts into a single loan with a lower interest rate or more favorable terms. The goal of debt consolidation is to make it easier to manage and pay off debts, and potentially save money on interest and fees.

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Low Credit Refinance

Refinancing with low credit can be challenging, as lenders typically prefer to work with borrowers who have good or excellent credit scores. However, it is still possible for borrowers with low credit to refinance their mortgage.

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FHA Loan

An FHA loan is a type of mortgage loan that is insured by the Federal Housing Administration (FHA), which is part of the U.S. Department of Housing and Urban Development (HUD). FHA loans are designed to help make homeownership more accessible to first-time homebuyers, low-income borrowers, and those with limited credit history.

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Refinance

Refinancing is the process of replacing an existing loan with a new loan that has more favorable terms or features, such as a lower interest rate, a shorter loan term, or a different type of loan. Refinancing can be an effective way for borrowers to save money on interest and fees, lower their monthly payments, or consolidate multiple debts into a single loan.

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Rate & Term Refinance

A rate and term refinance is a type of mortgage refinancing where you can change the interest rate or loan term of your current mortgage, but you don't take out additional cash. The goal of a rate and term refinance is to save money on monthly mortgage payments or to pay off the mortgage more quickly.

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Homes for Texas Heroes

The Homes for Texas Heroes Program offers a 30-year fixed-rate mortgage loan with competitive interest rates and down payment assistance of up to 5% of the loan amount. The down payment assistance can be used towards the down payment and closing costs associated with purchasing a home.

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Construction Loan

A construction loan is a type of loan that is specifically designed to fund the construction of a new building or home. Unlike a traditional mortgage loan that provides funding to purchase an already-built property, a construction loan provides financing for the construction process itself.

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1% Down Payment Loan

1% down payment loan refers to a mortgage loan program that allows borrowers to make a down payment of only 1% of the home's purchase price. This type of loan program is designed to assist homebuyers who may have limited funds for a larger down payment, making homeownership more accessible and affordable.

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1% Down Payment Teacher Loan

1% down payment teacher home loan refers to a mortgage loan program specifically designed for teachers that allows them to make a down payment of only 1% of the home's purchase price. This type of loan program aims to make homeownership more accessible to teachers by reducing the upfront cost typically associated with purchasing a home.

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1% Down Payment First Responder Loan

1% down payment first responder loan refers to a mortgage loan program specifically designed to assist first responders, such as firefighters, police officers, paramedics, and other emergency personnel, in purchasing a home. This type of loan program allows first responders to make a down payment of only 1% of the home's purchase price, which is significantly lower than the standard down payment requirement for most mortgages.

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1% Down Payment First Time Home Loan

1% down payment first-time home loan refers to a mortgage loan program specifically designed for individuals who are purchasing a home for the first time. This type of loan program allows first-time homebuyers to make a down payment of only 1% of the home's purchase price, which is significantly lower than the standard down payment requirement for most mortgages.

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1% Down Payment Condo Loan

1% down payment condo loan refers to a mortgage loan program specifically designed for individuals who are purchasing a condo for. This type of loan program allows condo buyers to make a down payment of only 1% of the condo's purchase price, which is significantly lower than the standard down payment requirement for most mortgages.

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FAQs

Got a question? We’re here to help.

  • What is a mortgage?

    A mortgage is a loan provided by a financial institution or lender to help individuals purchase a home. It is secured by the property being purchased, and the borrower repays the loan over a specified period, usually through monthly mortgage payments.

  • What is a home loan?

    A home loan is another term for a mortgage. It refers to the loan obtained to finance the purchase of a home or property.

  • Do I need to find a home before I apply?

    No!  Getting started before you find a home may be the best thing you can do!


    Suppose you get started before you have a property to purchase. In that case, we can issue a pre-qualification subject to finding the perfect home, which you can use to assure real estate brokers and sellers that you are a qualified buyer. Getting pre-qualified for a mortgage will even give more weight to your purchase offer.


    When you find the perfect home, call your Loan Originator and provide your signed purchase agreement to complete your application. You’ll then have an opportunity to lock in our great rates and fees, and we’ll complete the processing of your loan.

  • What are the benefits of owning a house? What are the advantages over renting?

    There are many advantages to homeownership:


    A sound investment – When you carefully choose a home you can afford, the payoff can be significant. As a homeowner, instead of paying rent to a landlord, you are building equity in a place of your own each month when you make your mortgage payment. The more mortgage payments you make, the more equity you’ll have. And unlike most things you buy, a home can appreciate as time passes, building more equity.


    Tax advantages – The mortgage interest and real estate taxes you pay are tax deductible which can reduce your tax bill.

    Real estate is marketable.

    You can make your own decisions about design and décor.

    You can invest in upgrades that will not only bring you pleasure but can also add to the value of the property over time.

    You have control over the piece of property.

    You are not answering a landlord.

  • What information should I have available when I am ready to apply?

    For your initial pre-qualification, we’ll ask questions about your income, assets, credit history, and employment.


    Once you start the application process, we’ll need to verify the information you gave us with specific documentation, such as your last two years of income tax returns, bank statements, pay stubs, and documents about other personally owned real estates. You’ll receive written notification of the required documentation needed to obtain final approval. In some cases, our Underwriting Department may request additional information.

  • How can financing help?

    Whether you’re purchasing or refinancing a home or other property, it’s a major investment. We’re here to help you find the financing that’s right for you to help you take the following steps.


    Range of loan options to find financing that best fits your goals


    We’ll work with you to consider your personal financial needs


    Options for no closing costs, term lengths, and adjustable or fixed rates


    We’ll determine your needs and help you understand your financing options. Speak with our experienced team to learn more about our loan programs.

  • I’ve heard about getting a Pre-Qualification, but what’s the advantage if I haven’t even started looking for a house yet?

    You wouldn’t shop for a new car without knowing how much you can afford. Why would buying a home be any different?


    Pre-Qualification Today = Less Stress House Shopping Tomorrow


    Let’s face it. Adjusting to your new mortgage payment is one of the most stressful things about buying a home. Knowing your family’s financial boundaries before shopping for your new home can make the process go much more smoothly.


    Your pre-qualification is an essential tool when house shopping because of it…


    Determines what homes are in your price range

    Assures real estate brokers and sellers that you are a qualified buyer

    Can be used to your advantage in future negotiations

  • What factors are considered when applying for a mortgage?

    Lenders typically consider factors such as the borrower's credit score, employment history, income, debt-to-income ratio, and the appraised value of the property when evaluating a mortgage application.

  • What is the difference between a fixed-rate and an adjustable-rate mortgage (ARM)?

    A fixed-rate mortgage has an interest rate that remains constant throughout the loan term, providing predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, usually after an initial fixed-rate period, resulting in potential changes to the monthly payment.

  • What is private mortgage insurance (PMI)?

    Private mortgage insurance (PMI) is a type of insurance that protects the lender in case the borrower defaults on the loan. It is typically required when the down payment is less than 20% of the purchase price. Borrowers pay a monthly premium for PMI until they reach a certain level of equity in the property.

  • What is a pre-approval for a mortgage?

    A pre-approval is an initial assessment by a lender that determines the maximum loan amount a borrower may be eligible for. It involves providing financial information to the lender, who then evaluates the borrower's creditworthiness and determines an estimated loan amount.

  • What is a down payment?

    A down payment is the initial payment made by the borrower when purchasing a home. It is typically expressed as a percentage of the purchase price and is paid upfront, with the remaining amount financed through a mortgage loan.

  • What is a pre-approval for a mortgage?

    A pre-approval is an initial assessment by a lender that determines the maximum loan amount a borrower may be eligible for. It involves providing financial information to the lender, who then evaluates the borrower's creditworthiness and determines an estimated loan amount.

  • What are closing costs?

    Closing costs are fees and expenses associated with finalizing a mortgage loan and the home purchase transaction. They can include costs such as appraisal fees, loan origination fees, title insurance, attorney fees, and other miscellaneous expenses.

  • What is a mortgage term?

    A mortgage term refers to the length of time over which the borrower agrees to repay the mortgage loan. Common mortgage terms are 15, 20, or 30 years, although other options may be available. The term affects the monthly payment amount and the total interest paid over the life of the loan.

  • Can I refinance my mortgage?

    Yes, mortgage refinancing allows borrowers to replace their current mortgage with a new loan. This can be done to secure a lower interest rate, change the loan term, switch from an adjustable-rate to a fixed-rate mortgage, or access equity in the property. Refinancing can help borrowers save money or achieve specific financial goals.

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