Home Mortgages

Homeownership is a significant milestone. It is also a major financial commitment. Whether you want to buy, build, or remodel, our team of mortgage lenders is dedicated to helping you reach your goals with the financing choice that meets your specific needs.

What type of loan suits me?

What type of loan suites me
What’s the purpose of the loan?*
What loan amount do you need?*
Are you active duty or retired military or a surviving spouse?*
What is your credit score?*
How much do you have saved for a down payment?*
How long do you plan to live in this home?*
What is most important for your current financial situation?*

The type of loan that suites your situation:

HELOC or Home Equity Loan

Jumbo Loan

VA Loan

  • if you already have a home you have a VA loan on you can’t get another VA loan until you sell that house
  • If it’s the first time used and you have no disability it’s a 3.3% funding fee that is added to your loan amount (103% loan amount)

VA Loan or Conventional Loan

  • if you already have a home you have a VA loan on you can’t get another VA loan until you sell that house
  • If it’s the first time used and you have no disability it’s a 3.3% funding fee that is added to your loan amount (103% loan amount)

FHA Loan

FHA or Conventional Loan

Conventional Loan

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A LOAN FOR EVERY NEED
Conventional Fixed Rate Mortgages

With a fixed-rate mortgage, you know exactly what your monthly principal and interest payments will be for the life of the loan. Your interest rate is locked in and you have the option of several different payment terms. It's a perfect solution if you plan to stay in your home for a long period of time and feel more comfortable with the stability of a fixed rate.

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now.

 

Adjustable Rate Mortgages (ARM)

With an ARM, interest rates can be locked in for a one, three, five, seven, or ten year time period. After the term expires, your rate adjusts either up or down based on the financial index associated with your particular loan. An ARM may be the right solution if you plan to be in your home for a short time or want to take advantage of a lower, initial interest rate.

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now.

 

Federal Housing Administration Loans (FHA)

Buying a home doesn’t always require a large down payment.

If you're looking to buy a home but don't have the funds saved for a large down payment, an FHA loan might be the perfect solution for you.

  • Low down payment options
  • Lower interest rates than conventional financing
  • More flexible requirements than conventional financing
  • Down Payment Assistance for qualified buyers*

*Eligibility requirements vary by program.


We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank Mortgage Lender today at (210) 736-7700.

Veteran Administration Loans (VA)

Are you a current or retired member of the armed forces? You could qualify for a home loan with as little as 0% down.

VA loans are specifically designed for active duty service members, veterans or surviving spouses.

  • Zero down payment
  • No Private Mortgage Insurance (PMI)
  • More flexible qualification requirements than conventional loans
  • Seller can contribute all traditional allowable closing costs

Ask your lender about Jumbo VA loans. We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now

Texas Vet Loans

Jefferson Bank is a participating lender in the Veterans Housing Assistance Program (VHAP). Exclusively for eligible Texas veterans, it provides an opportunity to purchase a home with little or no money down with a low interest rate. The home must be a primary residence located in Texas.

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now

Portfolio Loans

We offer a unique portfolio loan product that can help potential buyers with special circumstances or atypical financing requirements, which can make it difficult to qualify for a conventional home loan. They can be used for primary residence or second homes.

  • Competitive rates
  • Quick turn times
  • Reduced paperwork
  • In-house processing, underwriting and closing
  • No prepayment penalty
  • No Private Mortgage Insurance (PMI)

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now

Jumbo Loans

A residential mortgage reaches the "jumbo" category when it exceeds a certain, specific amount. Currently in Texas, that loan limit is $548,250 for a single-family home. Jefferson Bank offers jumbo loans for primary and second homes with both fixed and adjustable interest rates.

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

 Apply now.

Lot Loans

Looking for the perfect spot to build a new home? Secure the land to build now or in the future. We can do it all. From construction loans to permanent financing, you'll be building your dream house in no time!

  • Low down payment options
  • In-house underwriting, processing and closing

 

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now

 

Construction Loans

We can help you lay a strong foundation for building your new home from the ground up with an interim home construction loan. In most cases, your construction loan can be converted to a fixed rate mortgage after your home is built.

We're here to answer any questions and help open the door to your new home. Call a Jefferson Bank lending specialist today at (210) 736-7700.

Apply now

 

 

Down Payment Assistance
Mortgage

DOWN PAYMENT ASSISTANCE PROGRAMS

If you don’t have the funds available for a down payment or don’t want to invest your entire savings, we can help. Our lenders have access to a variety of programs designed to help qualified* buyers get over these hurdles.

Stay up on down payment assistance programs. Connect with us.

*Eligibility requirements vary by program.

Down Payment Assistance
DOWN PAYMENT ASSISTANCE
Get Pre-Qualified
hand holding home

Get Pre-Qualified

Getting pre-qualified is a smart step to take when you are shopping for a home. Not only does it give you the peace of mind of knowing you can qualify for a specific amount, but it also shows sellers you are a serious buyer.

Pre-qualifying is fast and simpleStart Here.

 

Get Pre Qualified
Get Pre-Qualified
Meet Our Lenders
meet the lenders

Meet Our Lenders

Our mortgage lending team is dedicated to helping you find the right financing to fit your specific needs. Professional and experienced, they have the knowledge to navigate the complex world of mortgage lending while providing you the highest level of personal service.  

Let us help open the door to home ownershipConnect with us.

 

Meet Our Lenders
Meet Our Lenders
First-Time Homebuyer
First time home buyers

First-Time Homebuyer

Making the dream of owning your first home come true could be easier than you think. Our lending team has an array of mortgage products designed specifically to help qualified buyers* with down payment assistance and mortgages for first-time buyers.

Check out our first-time homebuyer guide. 

*Eligibility requirements vary by program.

First-Time Homebuyer
First-Time Homebuyer

Notices & Disclosures

All home lending products are subject to credit approval.  Rates, program terms and conditions are subject to change without notice. Other restrictions and limitations apply.

*This calculator is being provided for educational purposes only and is provided by a third party not controlled by Jefferson Bank. The results are estimates that are based on information you provided and may not reflect Jefferson Bank product terms. Jefferson Bank is not responsible for the content, results, or the accuracy of information. Speak with a Jefferson Bank Mortgage Loan Officer for more specific information.

Manage your entire mortgage process quickly, easily, and securely.
  • Complete a mortgage loan application in minutes.
  • Scan and securely upload documents using your phone's camera.
  • Receive step-by-step notifications of loan application progress.
  • Request a pre-qualification letter to submit with an offer.
  • Access lender contact info with the touch of a button.
Jefferson Bank Home Loan App

Download the Jefferson Bank Home Loan app* from the App Store or Google Play

*While Jefferson Bank does not charge fees for the use of Mobile Banking or Online Banking, message and data rates may apply. Check with your service provider for details.

Android and Google Play are trademarks of Google Inc. Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

 

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