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Welcome Home Loan Program

Opening the door to your new home just got easier. With this exclusive loan program you could get a mortgage with a minimum borrower contribution of $500, plus no private mortgage insurance!

The house key is inserted in front of the door and opens to welcome the new owner.

Jefferson Bank is committed to making homeownership a reality for individuals and families in the communities we serve. 

 

We're proud to offer our exclusive Welcome Home Loan Program designed to help home buyers overcome common hurdles to loan approvals, including low credit scores and large down payments. With outstanding features, including no mortgage insurance and a minimum borrower contribution of just $500, our Welcome Home loan is the perfect solution to get you into your new home.

Welcome Home Loan Program Highlights

LOAN DETAILS

  • 30 year fixed rate loans
  • Loans can be made up to 95% of property value
  • No mortgage insurance
  • Escrow account for taxes and homeowner's insurance required
  • Available in Bexar County only

QUALIFICATIONS

  • Credit scores as low as 600
  • $500 minimum borrower contribution
  • Down payment assistance or gift can be used for down payment*
  • Borrower can not own another home at the time of funding
  • Must meet all applicable underwriting criteria

Our team of experienced mortgage lenders is here to assist you throughout the process. They are dedicated to helping you reach your dreams of homeownership with a loan that meets your specific needs. 

 

Welcome Home Loan Program
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Notices & Disclosures

*Down payment assistance programs (DPA) vary and may restrict income to 80% or below Area Median income. DPA fund sources may be available for a limited time. Check with your lender to verify income restrictions and DPA funds availability to see if you qualify. 

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