First Time Homebuyers

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First Time Homebuyers

We want to help you buy your first home. Learn more about our First Time Homebuyer program that we are now offering! 

Contact a Loan Officer

Complete an application today!

First Time Homebuyer Program Requirements: 

  • A First Time Homebuyer is an individual who meets any of the following criteria as set forth by the FHA:
    • An individual who has had NO ownership in a principal residence during the 3-year period ending on the date of purchase of the property. This includes a spouse (if either meets the above test, they are considered first time homebuyers). 
    • A single parent who has only owned with a former spouse while married.
    • An individual who is a displaced homemaker and has only owned with a spouse.
    • An individual who has only owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations.
    • An individual who has only owned a property that was not in compliance with state, local or model building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure.
  • Purchase as a Primary Residence a 1-4 Family Home 
  • Rates as low as 5.00% / 5.117% APR*
  • Minimum Credit Score of 720 for at least one borrower, if joint application
  • 5% Down Payment

Mortgage Application Checklist

The following checklist indicates the documents required to process your loan request. By making sure we receive this information in a complete and timely manner, you can reduce the time it takes us to approve and close your loan. Please do not hesitate to call if you have any questions.

Residential Loan Application

  • Complete in full with signature (s), addresses, account numbers, balances
  • Copy of signed Sales Contract (if purchase money)
  • Copy of Driver's License and Social Security card
  • Mother's maiden name (both mothers' maiden names, if co-borrowers)

Income Information

  • Authorization Number from employer (if required) to verify employment
  • Pay stubs for the most recent 30 day period with Year to Date earnings indicated
  • IRS W-2 forms and SIGNED tax returns for the previous 2 years
  • Employment gaps explained
  • If Self-Employed
    • Previous two (2) years SIGNED tax returns with all scheduled corporate returns, if applicable
    • Current and previous two (2) fiscal year-end financial statements Including Profit and Loss Statements

Deposit Information

  • All major deposit/investment account information and account numbers and addresses
  • Copies of previous two (2) months bank statements (major accounts)
  • Gift letter, if applicable

Additional Documentation That May Be Required

  • Divorce Decree
  • Verification of Child Support
  • Explanation of any potentially adverse credit ratings
  • General information on other real estate owned-notes, leases, etc
  • Rental agreements of leases
  • Name an address of current and previous (if current is less than two (2) Years) landlords
  • Partnership Agreements
  • Copy of documents and explanation of money owed to you
  • Settlement Statement from sale of home sold in the last year


Application Information

TrustTexas Bank's home loan applications are available online. These applications are in Adobe Acrobat (PDF) format and require Acrobat Reader. If you do not have Adobe installed on your computer, please download Adobe Reader.

  1. Please type in your information from your computer keyboard. If you don't feel comfortable with this, simply print the home loan application.
  2. Fill in the required information.
  3. Mail or drop off your application to one of our locations below.
Cuero Branch & Corporate Headquarters
P.O. Box 808
121 E. Courthouse St.
Cuero, Texas 77954
Victoria-Sam Houston Branch
2701 Sam Houston Dr.
Victoria, Texas 77904
New Braunfels Branch
2085 Central Plaza
New Braunfels, Texas 78130
Kyle Branch
4625 Ratcliffe Drive
Kyle, Texas 78640
Hutto LPO
531 Ed Schmidt Blvd., Suite 110
Hutto, Texas 78634

Printable Mortgage Application

Your Zip Code is not in an area that we currently offer residential mortgage programs. Please contact the bank directly at 800-342-0679 for more information.

Guide to Completing the Uniform Residential Loan Application

*For a $100,000 loan with a term of 360 months with an APR of 5.117% - the principal and interest payment will be $536.82, after a 5% down payment requirement. APR = Annual Percentage Rate. These rates are effective as of August 2, 2022. Available rates may change without notice. This program is subject to termination at any time.

All loans are subject to credit and underwriting approval. Certain product exclusions may apply. Loan to Value Ratio (LTV) not to exceed 95%. Loans with less than 20% equity will require PMI insurance, escrow requirements will also apply. Not valid for a second home or construction. First lien only. Certain fees and restrictions may apply, or other terms and conditions may apply. Contact your Mortgage Lender for details. NMLS #478474.


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