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.

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.

These are home loans that are held at Jefferson Bank, rather than being sold on the secondary market. Portfolio loans are designed for borrowers with special circumstances and unique financing needs. We have a number of portfolio loans that can be tailored to fit your particular situation.

These government-insured mortgage products feature low down payment options and easier credit qualifications than a conventional loan. All of which may make an FHA loan a perfect solution if you're a first time home buyer. Jefferson Bank is an approved FHA lender and our lending specialists can help you determine if you qualify.

Specifically designed for active duty service members, veterans and surviving spouses, VA Loans offer up to 100% financing for qualified buyers. These loans have more flexible qualification requirements than a conventional loan.

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.

A residential mortgage reaches the "jumbo" category when it exceeds the conforming loan limit. Currently in Texas, that loan limit is $417,000 for a single family home. Jefferson Bank offers jumbo loans for primary, second and vacation homes with both fixed and adjustable interest rates.

Jefferson Bank can help you purchase the lot or land for your dream home. Secure the land to build now or at a future date.