Homebuyer Tools

Tools To Build A Customized Home Financing Plan.

Buying a home is truly exciting, but it also requires a great deal of consideration, research, and financial planning. No matter where you are in your home buying journey, we offer the tools and guidance to simplify and streamline the process. Every situation is different, so our experienced lenders are available to answer your specific questions.

FIRST-TIME HOMEBUYER GUIDE

Our First-Time Homebuyer Guide was designed to provide answers to the questions first timers may be contemplating when thinking about buying a home, plus step-by-step info, tips, and definitions.

Download Here

MORTGAGE CALCULATOR

This mortgage calculator provides a general range of your estimated monthly payments but does not include certain costs such as HOA fees. Consult a member of the Jefferson Bank Lending Team for specific information, including current interest rates.*

*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 the 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.

CREDIT SCORE

Your credit score can have a large impact on your ability to qualify for a loan as well as your interest rate.

CHECK YOUR CREDIT SCORE HERE:

You can also request a free copy of your credit report from each of three major credit reporting agencies at AnnualCreditReport.com or call toll-free (877) 322-8228.

Your credit history is the summary of the money you owe (credit cards, loans, etc.), how long you’ve owed it, and whether or not you make payments on time. Your credit score is based on all the facts in your credit history. It’s listed as a 3-digit number that tells lenders whether you have an excellent, good, fair, or poor credit rating.

Jefferson Bank Home Loan App

HOME LOAN APP

Download the Jefferson Bank Home Loan app from the App Store or Google Play and manage your entire mortgage process quickly, easily, and securely.**

Download Here

 

PRE-QUALIFYING

Find out how much you qualify to borrow by getting pre-qualified. When sellers know you're pre-qualified, they look at you as a serious buyer. It’s a great negotiating tool, especially if you find yourself bidding against other buyers.

Call one of our lending specialists at (210) 736-7700 or download the Jefferson Bank Home Loan App.

Requirement Check list

Documents you will need to provide for your loan application:

These lists include the basic information you’ll need for your application. A member of the Jefferson Bank Lending Team will advise you if more specific documentation is required.

For a conventional loan you'll need the following standard documentation:
  • Confirmation of your employment income for the past month, such as pay stubs.
  • Copies of your tax returns for the past two years.
  • Bank statements for the past two months.
  • Copy of your driver license or state-issued ID for each borrower.
If you're applying for a VA loan, you'll need all of the above, plus:
  • Most recent Leave and Earnings Statement.
  • Statement of Service letter.
  • Copy of Transfer Orders.
  • Certificate of Eligibility.
  • Service Records Request. 
In certain circumstances, you may need additional documents:
  • If you're divorced, a copy of a final divorce decree.
  • Documents pertaining to any resolved or unresolved issues of a credit dispute.
  • If you have filed for bankruptcy, a copy of all bankruptcy documents including discharge notice. 

GET ANSWERS AND GET MOVING

Just fill out some basic information and submit. One of our experienced mortgage lenders will be in touch to talk to you about your specific needs. Or call (210) 736-7700.

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Notices & Disclosures

**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.

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

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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.
Jefferson Bank Home Loan App

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

Download on the App Store
Get it on 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™ store are trademarks of Google LLC.  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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