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Mortgages

Your journey to home ownership starts here.

 

Your Genuine Home Loan Solutions Provider

We offer a wide variety of home financing options to help you find the right loan for your needs. Whether you’re looking for a standard fixed-rate loan, an adjustable-rate option, a construction loan, or a special program, we’ll work with you to find a genuine financing solution that gets you into the home you desire. Plus, our friendly mortgage bankers are experts in the Texas real estate market.

Talk to a Mortgage Banker

Apply Now

Determine Your Budget

Our Mortgage Solutions

Which type of mortgage best suits you?

Fixed Rate Mortgage

With a fixed rate mortgage loan, the monthly principal and interest payments remain the same through the life of the loan. This option is ideal for knowing exactly what you will pay each month. We offer both 30-year fixed rate and 15-year fixed rate loans.

 

Adjustable Rate Mortgage (ARM)

Commonly referred to as an ARM, an adjustable rate mortgage is a loan that generally offers a lower initial interest rate than most fixed rate loans. The trade-off is that the interest rate can change periodically over the term of the loan – making your monthly mortgage payment go up or down throughout the life of the loan. We offer both 30-year and 15-year adjustable rate loans.

 

Our Special Home Loan Program Loans

Rural Development (USDA) Loans

United States Department of Agriculture (USDA) loans are designed to help those in qualifying rural areas become homeowners. If you’re a first-time homebuyer or previous homebuyer, you may be able to get up to 100% financing for housing in small populated cities and surrounding rural areas.

 

Department of Veterans Affairs (VA) Loans

Veterans Affairs (VA) loans are government-insured loans created for Service Members and Veterans. They can be fixed or adjustable-rate loans and come with low down payment requirements and flexible qualifications.

 

Federal Housing Administration (FHA) Loans

FHA loans are designed to help first-time homebuyers or those with limited or lower credit history become homeowners. They require a lower minimum credit score and a down payment as low as 3.5% for first-time homebuyers. FHA loans are insured by the Federal Housing Administration.

 

Interim Construction

Interim constructions loans are a short-term financing option for the development of a new home with favorable interest-only payments during construction.

 

Consumer Land Loans

Looking for a place to build your future home? Consumer land loans are designed to help you purchase a small acreage or lot for your new home.

 

What’s in a VeraBank home loan for you?

We know buying a home is an important step in your life, and working with the right person makes all the difference. Our mortgage bankers are rooted in the communities they serve and understand the importance of helping you find the right loan for your needs.

Apply Now

 

Helpful Home Loan Resources For You

Mortgage Calculators

Our calculators help you answer the key questions about home loans and how they fit into your budget. Whether you’re deciding on the right loan, want to know how much you qualify for, the loan amount you can comfortably afford, of your estimated monthly payment for a fixed-rate loan, we’ve got you covered.

Which mortgage is best for me? 

Use Our Calculator

How much mortgage might I qualify for?

Use Our Calculator

 How much house can I afford?

Use Our Calculator

How much will my fixed rate mortgage payment be?

Use Our Calculator

 

 

Helpful Articles

VeraBank is partnered with Banzai to bring you a full library of educational articles and interactive courses on housing. Access a mortgage application checklist, learn all you need to know about purchasing a home, understand what to expect when working with a lender, and much more!

Explore Our Library

 

If I have more mortgage questions, who can I ask?

If you would like more information about anything home-related, reach out to one of our mortgage bankers. They will be happy to help answer questions about home loan programs, credit score and down-payment requirements, debt to income, mortgage insurance, closing costs, interest rates, estimated payments, and more!

What are VeraBank’s current mortgage rates?

For information about our current rates, please contact one of our mortgage bankers:

How does the home loan application process work?

Gather Documents

  1. Your most recent two months’ Bank Statements (all pages)
  2. Most recent two years’ W2s/1099s
  3. 30-day pay stubs or Retirement/SSI Award Letters

Application Options

  1. Complete a Mortgage Application Package with all signatures (application and disclosures).
  2. Visit a local branch for an application package - click here to make an appointment.
  3. Apply online - click here to select a mortgage lender and complete an online application.
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