Homes for Texas Heroes

Online Banking

Log In

Error, press "Log In" to continue.

Log In

Error, press "Log In" to continue.

Homes for Texas Heroes

Are you a Veteran, First Responder, or Educator and also looking to buy a home? We can help! See details below. 

Contact a Loan Officer

Complete an application today!

Our Homes for Texas Heroes program helps our community heroes buy a new home. 


  • Must be a member of one of the following categories:
    • First Responder - Proof of full time employment as a Firefighter, EMS Personnel, Peace Officer, Corrections Officer (TDCJ or TJJD), County Jailer or Public Security Officer
    • Educator - Proof of employment as a public full-time classroom teacher, public full-time paid teacher’s aide, public full-time school librarian, public full-time school counselor or public full-time school nurse. In addition, can include allied health or professional nursing program faculty member.
    • Veterans - Must furnish at minimum a DD-214 or DD-215 form (for the federal armed forces) and Honorable Discharge Papers, DD-256 form (for Reservists) and Honorable Discharge Papers, or NGB Form 22 or NGB Form 22-a and Honorable Discharge Papers (for National Guard Members). Other forms accepted in place of Honorable Discharge Papers are a Military ID Card or Veterans ID Card.
    • For more details on profession requirements, click here.
  • Purchase as a Primary Residence a 1-4 Family Home
  • Rates as low as 7.25% / 7.297% 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 $250,000 loan with a term of 360 months with an APR of 7.297% - the principal and interest payment will be $1,705.44, after a 5% down payment requirement. APR = Annual Percentage Rate. These rates are effective as of November 8, 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.


Google Translate


Next section