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.
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.
Adjustable Rate Mortgages (ARM)
With an ARM, interest rates can be locked in for a period of time. 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.
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.
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.
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.
Jumbo Loans
A residential mortgage reaches the "jumbo" category when it exceeds a certain, specific amount. Currently in Texas, that loan limit is $726,200 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.
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.
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.
USDA Mortgage Loans
Jefferson Bank offers USDA mortgage loans, which are backed by the U.S. Department of Agriculture, with up to 100% financing. USDA loans help make purchasing a home more affordable for those with low to moderate income living in qualifying rural areas.
USDA Loan Features & Requirements:
- No down payment required
- Low interest rates, 30 year fixed rate only
- Closing costs can be rolled into the loan up to appraised value
- No prepayment penalty
- No acreage limitations
- Can be used by first-time and repeat home buyers
- Seller is allowed to pay closing cost up to 6% of sales price
Borrowers must meet income requirements, and the property must be located in an eligible rural area.
Down Payment Assistance
DOWN PAYMENT ASSISTANCE
Get Pre-Qualified
Get Pre-Qualified
Meet Our Lenders
Meet Our Lenders
First-Time Homebuyer
First-Time Homebuyer
Mortgage Calculator
Determine your estimated monthly home payments.
Use our mortgage calculator.
Financing solutions for any homebuyer
Financing solutions for any homebuyer.
Let us find the one that's right for you. Apply online now.
Prequalify
Make a smart move.
Get pre-qualified for your home loan. Start here.
Why choose Jefferson Bank for your mortgage needs?
Experience
The San Antonio area has been our home for more than 75 years. Our experienced team is familiar with the unique needs of the region. We’ve helped thousands of local residents realize their goal of home ownership.
Home Loans Made Easier
Manage the entire home loan process with the Jefferson Bank Home Loan App. It’s quick, simple, and secure. You can get prequalified and apply for your home loan from the convenience of your smart device. Scan and securely upload documents and receive step-by-step notifications of your loan progress. It’s free and you can download it from the App Store or Google Play.*
Personal Service
This is personal to us. Those aren’t just words, it’s the core business philosophy we live by everyday. Our team is dedicated to exceeding expectations with an unrivaled level of personalized service.
Ongoing Support
Our commitment to you doesn't end at closing. We’re always here with quick responses to your ongoing needs and questions. We’re your home base for home loans, now and in the future.
Competitive Rates
Best of all, you’ll have access to our experience and service while still enjoying competitive financing rates.
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.
Jefferson Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking. Any consumer wishing to file a complaint against Jefferson Bank should contact the Texas Department of Banking through one of the means indicated below:
- In Person or U.S. Mail : 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294
- Telephone No: (877) 276-5554, Fax No.: (512) 475-1313
- Email: [email protected]
- (link sends e-mail)
- Website: www.dob.texas.gov
Investment and Insurance Products are:
- Not insured by the FDIC or any Federal Government Agency
- Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Deposit products offered by Jefferson Bank. Member FDIC
NMLS# 597833
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.
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.
