Home Loan Products

We know buying a home can be a little complicated but our team of experts is here to help you find the best option for your financial situation. This means we know all the ins and outs of all the loan types and we can help you purchase your ideal home.
Here’s what you can expect from us:

  • Transparent, Open Lines of Communication

  • Local Underwriting

  • Competitive Rates

First Time Home Buyer

If it’s your first time purchasing a home, our Mortgage Loan Officers are here to guide you through the process. They will help you make the right decision to meet your financial goals. We will review your available credit and assets for down payment and closing costs. Then we’ll go through each option with you to determine which product is right for you. And because we believe in doing the right thing, the best option for you might not be the most profitable for us. 

Fixed and Adjustable Rate Loans

Fixed and adjustable rate mortgages are available. A fixed rate provides home buyers with peace-of-mind as it offers predictability in rates and payments for the life of the loan. An Adjustable Rate Mortgage typically involve a certain degree of risk as your interest rate will adjust annually for the duration of the loan.

Low Down Payment Options

These special loans are insured by the Federal Housing Authority  and are a great option for buyers who would like to purchase a home but have been unable to put money away for the purchase. FHA loans are a great fit for recent college graduates or newlyweds with unique home buying needs. 

Vacation Homes

If you are thinking about buying a second home, our Mortgage Loan Officers can help you choose the right loan option. We know West Texas is home but sometimes you need a little getaway spot. 

Jumbo

We offer competitive Jumbo Loan rates for customers needing to borrow more than the conforming loan limits. We offer both Fixed Rate Loans and ARMs.
 

VA

If you’ve served or are currently serving our country in the Armed Forces then you’ve earned the benefits that are included with a VA Loan. The Veteran’s Administration offers a special program for Veterans or members of the Armed Forces and their spouses. You must submit a Certificate of Eligibility to ensure your loan approval. Finally, from the bottom of our hearts, thank you for all you’ve done to keep our country safe.

 

Construction

Are you ready to build your dream home? We can help you from lot purchase, through construction to final purchase. We know there are many steps to this process and we will help you through every one. 

USDA Home Loan

USDA

We’re proud to offer USDA Home Loans to customers who call our rural West Texas communities home. USDA Loans are offered through the United States Department of Agriculture and provide low-cost homeownership opportunities to families in rural communities.