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Home Loan Services

Now is a great time to consider buying a new home, building your dream home or refinancing your current home. Whether you've found the perfect home or your looking to purchase a lot and build your dream home, we are here to help you with: 

• Home purchase

• Home construction loans

• Lot/Land loans

• Refinance your existing home

You'll receive individual attention to help you through every step of the home buying process and our decisions are made right here in North Texas, giving you faster response times and local support. 

 

First Time Homebuyer Programs/New Buyer Programs*

Thank you for your interest in the Homebuyer Equity Leverage Partnership (HELP) with the Federal Home Loan Bank of Dallas. Unfortunately, the funds available for this year have been distributed so we can no longer accept HELP applications at this time. We look forward to sharing information about the 2025 funds when they are available. Please reach out to a Mortgage Loan Officer for additional information and assistance.

If you are a first time homebuyer or you haven't owned a home in the last three years, you could qualify for our new buyer programs.

• Conventional loan with a low percentage down payment typically only 3%, plus closing costs. 

• Homebuyer Equity Leverage Partnership with the Federal Home Loan Bank of Dallas assists first-time homebuyers who meet income requirements with down payment assistance and closing costs. Click here to learn more.

 

Thinking about buying your first home? Check out this information from the FDIC on how to prepare for buying your first home. 

 

Low Down Payment Programs*

• Adjustable rate loan program available for new home purchases requiring only 3% down payment, plus closing costs. 

• Fixed rate loan program available for new home purchases or refinances requiring only 5% down payment, plus closing costs.