Mortgage
Your homeownership journey starts here.
Texas Republic Bank offers personal loans to help you achieve your goals wth flexible terms and competitive rates.
Get Started Today!
The Process Has Never Been Easier.
Fill out the online Application.
This gives us a better understanding of what kind of mortgage you are looking for!
Talk to a Texas Republic Bank Loan Officer.
After reviewing your application we will contact you to discuss any questions and the next steps!
Purchase your dream home.
Work with us to finalize the process and purchase your new home!
Home loans for every situation.
To find out more about each of our particular offerings, browse our options below!
Conventional mortgages are also ideal for buyers who prefer more flexibility in terms of property type and location, as they are not limited to specific property requirements imposed by government-backed loan programs (FHA & USDA). They typically require a down payment, have fixed or adjustable interest rates, and are repaid over a set term, commonly 15 or 30 years.
A VA home mortgage is a type of loan available to eligible veterans, active-duty service members, and surviving spouses of military personnel. It is guaranteed by the Department of Veterans Affairs (VA) and is designed to help veterans purchase, refinance, or build a home. VA mortgages often require little to no down payment, have competitive interest rates, and offer additional benefits such as no private mortgage insurance requirement.
An FHA home mortgage is a type of loan insured by the Federal Housing Administration (FHA) and offered by approved lenders. It is designed to make homeownership more accessible to borrowers with lower credit scores and smaller down payments. FHA mortgages typically require a down payment as low as 3.5% and have more flexible qualification criteria, making them suitable for first-time homebuyers or individuals with limited financial resources.
A USDA home mortgage, also known as a USDA Rural Development Loan, is a type of loan program offered by the United States Department of Agriculture (USDA). It is designed to promote homeownership in rural areas and provide affordable financing options for low- to moderate-income borrowers. USDA mortgages often offer 100% financing, meaning no down payment is required, and may have more lenient credit requirements compared to conventional loans.
Jumbo lending refers to mortgage financing used for purchasing high-value homes that exceed the conforming loan limits set by government-sponsored enterprises. These loans are considered riskier for lenders due to their larger size, resulting in stricter eligibility criteria and higher interest rates. Borrowers must have a strong credit history, high credit score, substantial down payment, and meet additional documentation requirements to qualify for jumbo loans.
Non-QM lending, or non-qualified mortgage lending, allows borrowers to obtain a home loan without meeting the strict qualifying criteria of government-sponsored enterprises or the Qualified Mortgage rule. It provides an alternative financing option for individuals who don’t fit within the standard guidelines, such as self-employed individuals or those with savvy investors. While non-QM loans offer flexibility, they often come with higher interest rates and fees due to the increased risk involved.
Portfolio lending when buying a home involves a lender originating and keeping the mortgage loan in its own portfolio instead of selling it to third-party investors. This approach offers more flexibility and personalized service as lenders have their own underwriting criteria and can consider unique borrower circumstances. Portfolio lending provides an alternative financing option for individuals who may not meet the strict requirements of conventional mortgages. Learn More
Construction and rehab loans are specialized types of loans designed to finance the construction or renovation of a property. These loans provide funds for both the purchase of the property and the costs associated with construction or rehabilitation. Borrowers can use these loans to build a new home, renovate an existing property, or perform major repairs or upgrades, with the loan amount based on the projected value of the property after completion.
Reliable help each step of the way.
Get to know our exceptional mortgage lending team to find the right fit for you.
Cesar is a mortgage loan officer entering his third year in lending at Texas Republic Bank. As a loan officer, he finds great joy in helping clients secure the right financing for their homes. Born in Dallas and raised in Plano and Richardson, Cesar has a deep understanding of the local market and a passion for guiding borrowers through the lending process. Whether assisting first-time homebuyers, seasoned investors, or those with unique financial situations, Cesar is committed to finding tailored solutions that fit each client’s needs.
Mortgage Blog
Mastering Mortgage Math: A Step-by-Step Guide to Calculating Your Mortgage with Texas Republic Bank
Are you considering buying a house this year? If so, are you trying to figure out what your monthly payment will be? It should come as no surprise that the cost of…
5 things to know about Balloon Mortgage Payments
If you’re in the process of buying a home, you may hear about something called a balloon mortgage payment. This is a term used to describe a mortgage payment plan that typically…
First-Time Homebuyer Tips
You probably have many emotions as you plan to buy your first house. It is quite an accomplishment! Before you jump in headfirst, here are some important first-time homebuyer tips to remember.…
Cesar
