Our mortgage professionals understand the complex choices consumers face when buying, remodeling, or refinancing a home and are ready to assist you with all aspects of your financial needs. We know you’ll feel right at home with the knowledgeable and helpful staff in our Mortgage Services Department. They can help you with:
- Conventional Mortgage Loans—You have a wide variety of choices with this type of loan, including fixed rates, adjustable rates, and short-term balloon notes. Our lending professionals can help you make the best choice to suit your needs. View our current mortgage rates here.
- Land/Lot Purchase and Interim Construction Loans—If you’ve found that perfect piece of land and want to build your dream house, Texas Bank and Trust can help with all phases of the construction. And we’ll pre-qualify you for permanent financing so you can start building your home right away.
- First-Time Home Buyer Program—This special program enables many individuals to realize their dream of owning a home—with less money down, special interest rates and many more features. Ask our staff if you qualify for this unique mortgage program.
- Remodeling and Home Improvement Loans—Loans to improve your home and its surroundings have a high priority with us. Almost any project that increases the value of your home qualifies for a home improvement loan. Examples include room additions, patios and decks, swimming pools, central heat and air, and much more. Talk to us about your improvement ideas. We’re ready to help!
- Refinancing—You have many options for savings when you consider refinancing an existing mortgage. Our experienced staff can help you review all options and select the best refinancing plan to meet your needs.
Regardless of your needs and goals, we are ready to help. Contact the experienced professionals in the Texas Bank and Trust Mortgage Lending Department at 903.237.5584 for complete details and individual assistance.
General Trade Area Policy
The primary economic trade area of Texas Bank and Trust Company is defined as those areas within a 25-mile radius of each lending office. Prime consideration shall be given to existing or potential customers with economic interest in those areas, although consideration will be given to customers residing outside those areas.
HOME BUYER INFORMATION
Buying a home is one of the most important financial decisions you’ll ever make. A home can be an excellent investment, and home ownership brings tax benefits. The type of home you buy, its location, and the monthly mortgage payments you choose will shape your future and that of your family.
Here are the basic steps you will take on the road to owning your own home:
- Choose a lender.
- Learn the terms used in buying a home, condominium, or co-op.
- Get pre-qualified—or even better, get pre-approved for a loan.
- Decide on the type of home you want.
- Decide on the features you want in your home.
- Choose a real estate agent.
- Start house hunting!
- When you find a home you want and can afford, negotiate!
- Make an offer in writing.
- When your offer is accepted, find an inspector.
- Find an attorney, if you feel you need one.
- Choose the best mortgage for you.
- Prepare for the closing.
- Go to the closing!
- Congratulations!
Following these steps, you can enjoy finding the home of your dreams. HAPPY HOUSE HUNTING!
For more information on buying your home, or to set up an appointment with one of our Mortgage Lending officers, call 903.237.5584.
