Special Loan Programs

Mortgage loan options for every stage of life.

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Special Loan Programs

Choose the option that best fits your needs.

Educator Mortgage

School employees can finance their new home up to 103%, with no down payment or PMI required.

First Time Home Buyers

First time home buyers are only required to put down 3% for a down payment.

5% Down No PMI

Finance your new home with no PMI when you put down 5% for a down payment.

Jumbo Loans

We offer jumbo mortgage loans up to $1 million. Email [email protected] for details.

More Loan Resources

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Required Documents

Before you start your loan pre-qualification process, you’ll need a few documents to get started.

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Calculate how much you need to borrow and what your monthly payment will be.

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Check out our list of most frequently asked questions.

We are here to help.

Have any questions? Our team is here to help. Contact one of our real estate loan officers to get the answer you need.

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  • 1Mortgage Disclosure – All property financed must be located in the state of Texas.
  • 2Confidentiality Disclosure – Please do not send confidential information, such as member number, social security number, etc. in an e-mail message.
  • 3Educator Mortgage Disclosure – To apply for an Educator Mortgage Loan, at least one applicant must be a current teacher or school employee for at least 2 consecutive years at a Texas school district. All applicants must have a credit score of 680 or higher and a 45% debt-to-income limit. Applicants may finance up to 103% LTV. Additional 3% is to be utilized for closing costs only – No cash back and no “coverage” for a lower appraised home permitted. This program is intended for primary residences within the state of Texas only, not vacation homes or investment properties. Other conditions may apply.