Pre-qualifying for a mortgage takes the worry out of looking for a new home. You'll know what price range you qualify for so you can concentrate on homes within your budget. And better yet, 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 with other buyers.

Watch our video below to learn more about the advantages of pre-qualifying at Jefferson Bank for your home loan.

Get Pre-Qualified



Loan Checklist/Documentation

Buying a home may be your largest financial transaction to date, and the process can seem overwhelming. We’re here to help. To give you an idea of what to expect, we've outlined the general process for getting a mortgage loan.

  1. You will need to complete a mortgage application.
  2. A Jefferson Bank lending specialist will contact you once your application is received.
  3. You will need to provide the necessary paperwork to the lending specialist, so your application can be reviewed.
  4. If approved, your application will continue through the bank’s internal process called underwriting.
  5. Once underwriting is complete, a closing date is set. This is the date in which you will sign all of the final loan documents in order to obtain the funds from the loan.

In order to fully evaluate your application and verify certain information as required by federal law, the bank will need the following:

  • Proof of income such as pay stubs, income tax returns, financial statements for a business
  • Employment verification (if applicable)
  • Bank or other account statements

If you have any questions or concerns during the loan process, our lending specialists are available to help. Call us at (210) 736-7700.


Let us help you find the mortgage product just right for you.


Notices & Disclosures

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]
  • Website:

All loans subject to credit approval. Rates, terms and conditions subject to change without notice.

Bank NMLS# 597833

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.