You want to help start the home to homeownership for you personally.
We are right here to resolve the questions you have about mortgages or other financing that is home-related. U se the application form form below to begin the certification procedure and a Jefferson Bank financing expert will contact you.
We are right right right right here to resolve all of your questions regarding mortgages or any other financing that is home-related. Contact us at (210) 736-7700
Home Loan Products
Home Mortgage Options
Having a mortgage that is fixed-rate you realize just what your month-to-month principal and interest re re payments may be for the lifetime of the mortgage. Your rate of interest is locked in along with the choice of a few payment that is different. It is a fantastic solution in the event that you intend to remain in your house for an excessive period of the time and feel more content aided by the security of the rate that is fixed.
Having a supply, interest levels could be locked set for a single, three, five, seven, or ten time period year. Following the term expires, your price adjusts either up or down on the basis of the index that is financial along with your specific loan. A supply could be the right solution in the event that you intend to be at home for a few days or would you like to make use of a reduced, initial rate of interest.
You can expect an original profile loan product which will help prospective purchasers with unique circumstances or atypical funding demands, which could make it tough to be eligible for a a home loan that is conventional. They could be employed for main residence or homes that are second.
- Competitive prices
- Quick turn times
- Reduced documents
- In-house processing, underwriting and shutting
- No prepayment penalty
- No Private Mortgage Insurance (PMI)
Purchasing a house doesn’t always require a big payment that is down.
An FHA loan might be the perfect solution for you if you’re looking to buy a home but don’t have the funds saved for the typical 20% down payment.
- Minimal advance payment options
- Reduced interest levels than old-fashioned funding
- More requirements that are flexible traditional funding
- Credit ratings as little as 600
- Deposit Assistance for qualified purchasers
Have you been a present or retired person in the military?
You can be eligible for a true mortgage with 0% down.
VA loans are specifically made for active responsibility solution people, veterans or spouses that are surviving.
- Zero advance payment
- No Private Mortgage Insurance (PMI)
- More qualification that is flexible than traditional loans
- Fico scores as little as 600
- Seller can add all conventional allowable closing expenses
Jefferson Bank is a participating lender in the Veterans Housing Assistance Program (VHAP). Solely for qualified Texas veterans, it gives a chance to buy a house with small or no cash straight straight straight down by having an interest rate that is low. Your home must certanly be a primary residence situated in Texas.
A mortgage that is residential the “jumbo” category when it exceeds the conforming loan limit. Presently in Texas, that loan restriction is $484,350 for the solitary home. Jefferson Bank provides jumbo loans for main, 2nd and getaway houses with both fixed and interest that is adjustable.
Searching for an ideal spot to create a brand new house?
Secure the land to create now or in the future.
- Three financing possibilities, including interest just and fixed rate loans
- Minimal credit rating 620
- Minimal deposit options
- In-house underwriting, closing and processing
We could do it all! From construction loans and permanent financing, you’re going to be building your ideal household right away!
We could assist you to lay a good foundation for building your new house through the ground up with an interim house construction loan. More often than not, your construction loan may be transformed to a set price mortgage after your property is built.
We are right right right here to resolve any concerns which help start the entranceway to your brand-new house. Call a Jefferson Bank financing professional at (210) 736-7700 today.
Let’s assist you discover the home loan item simply suitable for you.
Notices & Disclosures
Jefferson Bank is chartered underneath the guidelines for the State of Texas and also by state legislation is at the mercy of regulatory oversight by the Texas Department of Banking. Any customer wanting to file a grievance against Jefferson Bank should contact the Texas Department of Banking through one of several means indicated below:
- Face-to-face or U.S.
- Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
- Phone No: (877) 276-5554, Fax No.: (512) 475-1313
- E-mail: email protected
- Internet site: www. Dob. Texas.gov.
All loans are susceptible to credit approval. Prices, terms, and conditions are susceptible to alter without warning.