Mortgage Loans

At TrustTexas Bank, we want to make the financing of your home the easiest aspect of your purchase. With 100 years of experience in the home loan business, our organization takes pride in providing the personal service and attention our customers deserve. Please feel free to contact a TrustTexas Bank Loan Officer to answer any questions and help you through the application process. In order to aid you in your home shopping, your Loan Officer will also be glad to help you pre-qualify for a mortgage loan.

Click the Get Started button to view current rates, contact a loan officer, or apply online today.

Get Started

Features:

• Click here for Mortgage Rates
• Low Closing Costs
• No Origination Fee
• Automatic Payments
• Quick Decision Turnaround

Home Equity Loans

You may also take advantage of the equity you have built up in your home. TrustTexas Bank offers equity loans where the loan proceeds may be used for almost any purpose. The application process is easy and cost efficient.

Home equity loans allow the homeowners the option to use up to 80% of the equity in their homes. Home equity loans can be first or second liens and the proceeds can be used for almost any purpose; debt consolidation, vehicle purchase and improvements. Approval is fast and closing costs are low.

Home Improvement Loans

Don't put off those needed home improvements that will make your property more functional or enjoyable. TrustTexas Bank has flexible financing that is easy on your budget.

Whether you want to add on an extra room, remodel your kitchen or bathrooms, or make some needed repairs, TrustTexas Bank can help make it happen with a convenient, low cost home improvement loan.

Pre-qualification

Pre-qualifications are a simple and easy way to determine if you qualify for a specific home purchase or if you want to know what home loan amount you can qualify for. The pre-qualification process is fast and is provided for you at absolutely no cost. Documentation required for a pre-qualification is as follows:

• A Completed Loan Application
• Pay-stubs Covering a 30 Day period
• Bank Statements covering a 3 Month Period
• Previous 2 Years Tax Returns or W-2 Forms

When you do find the home of your dreams, the pre-qualification makes your final approval that much easier. You're already a member of the TrustTexas Bank Family!

Mortgage/Home Equity 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) *Not required for Home Equity application
• 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