We want to help open the door to homeownership for you.
We're here to answer your questions about mortgages or other home-related financing options. Use the application form below to start the qualification process and a Jefferson Bank lending specialist will contact you.
*Limited time offer. Applies to home purchases with a sales price of $300,000 or less. Does not apply to Jefferson Bank portfolio, Texas Vet, or bond program loans. All loans subject to credit approval.
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.
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.
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 the typical 20% down payment, an FHA loan might be the perfect solution for you.
Are you a current or retired member of the armed forces?
You could qualify for a home loan with 0% down.
VA loans are specifically designed for active duty service members, veterans or surviving spouses.
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.
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 and permanent financing, you'll be building your dream house in no time!
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'll pay up to $5,000 of closing costs on home loans of $300,000 or less.*
*Limited time offer. Applies to home purchases with a sales price of $300,000 or less. Does not apply to Jefferson Bank portfolio, Texas Vet, or bond program loans. All loans subject to credit approval.
All loans are subject to credit approval. Rates, terms, and conditions are subject to change without notice.
Bank NMLS# 597833
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Please complete the application and bring it to the Jefferson Banking Center nearest you or mail it to the address listed on the application.
Account Type?
If you're looking to open an account, almost any bank will do. But if you want to build a long term personal banking relationship look no further.
At Jefferson Bank, ALL banking is personal.
