Mortgage Loans | TrustTexas Bank (Cuero, TX)

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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.

Contact a Loan Officer

Complete an application today!


  • Mortgage Rates as Low as 7.00% / 7.046% APR*
  • 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-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

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

Printable Home Equity 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 7.046% - the principal and interest payment will be $1,663.26, after a 20% 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 80%. Escrow requirements will also apply. Not valid for a second home. 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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