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Mortgages

Your journey to home ownership starts here.

**Your Genuine Home Loan Provider**

We offer a wide variety of home financing options to help you find the right loan for your needs. Whether you’re looking for a standard fixed rate loan, an adjustable rate option, a construction loan, or a special program, we’ll work with you to find a genuine financing solution that gets you into the home you desire. Plus, our friendly mortgage bankers are experts in the Texas real estate market.

What makes VeraBank a great choice for your home loan needs?

We know buying a home is an important step in your life, and working with the right person makes all the difference. Our mortgage bankers are rooted in the communities they serve and understand the importance of helping you find the right loan for your needs.

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Our Special Home Loan Program Loans

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Low-to-Moderate Income Mortgage Special

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Rural Development (USDA) Loans

United States Department of Agriculture (USDA) loans are designed to help those in qualifying rural areas become homeowners. If you’re a first-time homebuyer or previous homebuyer, you may be able to get up to 100% financing for housing in small populated cities and surrounding rural areas.

Federal Housing Administration (FHA) Loans

FHA loans are designed to help first-time homebuyers or those with limited or lower credit history become homeowners. They require a lower minimum credit score and a down payment as low as 3.5% for first-time homebuyers. FHA loans are insured by the Federal Housing Administration.

Department of Veterans Affairs (VA) Loans

Veterans Affairs (VA) loans are government-insured loans created for Service Members and Veterans. They can be fixed or adjustable rate loans, and come with low down payment requirements and flexible qualifications.

Interim Construction

Interim construction loans are a short-term financing option for the development of a new home with favorable interest-only payments during construction.

Consumer Land Loans

Looking for a place to build your future home? Consumer land loans are designed to help you purchase a small acreage or lot for your new home.

Loans subject to credit approval.

Our Mortgage Solutions

Fixed Rate Mortgage

With a fixed rate mortgage loan, the interest rate remains the same throughout the life of the loan. This option is ideal for knowing what you will pay each month. (Payment amounts are fixed for the duration, unless your property taxes and/or homeowners insurance premiums change.) Your lender will help you determine which fixed rate term will be best for you.

Adjustable Rate Mortgage (ARM)

Commonly referred to as an ARM, an adjustable rate mortgage is a loan that generally offers a lower initial interest rate than most fixed rate loans. The trade-off is that the interest rate can change periodically over the term of the loan – making your monthly mortgage payment go up or down throughout the life of the loan.

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Mortgages FAQ

You have honest questions about VeraBank’s home loans. Here are our genuine answers.

If I have more mortgage questions, who can I ask?

If you would like more information about anything home-related, reach out to one of our mortgage bankers. They will be happy to help answer questions about home loan programs, credit score and down-payment requirements, debt to income, mortgage insurance, closing costs, interest rates, estimated payments, and more!