Texas One Mortgage

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Home Loans for Texas Properties Providing home mortgage loans for Texas properties since 1995. High Tech online convenience coupled with personalized service. The menu on the left will let you browse our site or choose a quick link from this page. Conforming FHA Jumbo Home Equity USDA-RH VA VA Jumbo Texas Vet		Prequalify Online start here This is the place to start for most borrowers. It is a short, quick form to give us some basic information to pre-qualify you and email a estimates to you for your review. No obligation, just the facts. (Click Here)


Purchase loans Using Automated Underwriting we can have a conditional approval letter for you within hours of submitting your online loan application. We will even fax or email the approval letter to your realtor or seller for you. Click Get Approved to get started.		NOTICE good faith estimates New federal regulations start 01-01-2010. Good Faith Estimates cannot be issued until we have your complete loan application and all pertinent information. An Initial Worksheet Estimate will be issued for pre-qualifications.


Refinance loans We can help you determine if refinancing is right for you and what loan best suits your needs. From streamline conventional loans to streamline VA loans. Submit your Pre-Qualification form today and see how much you could be saving.		Lock your interest rate Good Faith Estimates now state the date and time your interest rate is good through. You can lock once we have received your loan application, all supporting documentation and a completed appraisal. Call to lock: 888-623-7083 259-7788 in Austin


Home Equity refinance loans Texas home equity loans allow you to refinance and cash out up to 80% of the equity in your home. Pay off your high rate loans with a low interest rate home equity loan. Submit a Pre-Qualification form today & see how much you could be saving.		Apply Online loan applications When you are ready to go with Texas One Mortgage it's easy with complete Online loan applications for purchase or refinance.

VA & Texas Vet LOAN SPECIALISTS
VA Loans Zero Down VA purchase loans up to $417,000 JUMBO VA Loans up to $1,500,000 with down payment Loans greater than $417,000 require a down payment equal to 25% of the excess over $417,000. Based on full VA entitlement. More Details VA Streamline Refinance Available with No appraisal, No re-qualifying, No ratios and No Income verification unless your payment is increases 20% or more.		Texas Vet Loans Loan amounts up to $325,000 Zero Down loans up to $325,000 Zero down Texas Vet loans using VA guidelines allow a total loan amount of $325,000, including VA Funding Fee. Texas Vet using conventional guidelines - Minimum 5% down up to a loan amount of $325,000 (mortgage insurance req'd.) Texas Vet using an 80/10/10 conventional loan program - Up to a combined loan amount of $365,625.

What's News?

Current Rates 02/03/2012 12:25 PM Rates are HIGHER.

Term	Rate	Pts	APR
Conforming Loans
30 yr	3.750	0.758	3.995
20 yr	3.500	0.953	3.838
15 yr	3.000	0.893	3.428
10 yr	2.875	0.832	3.500

FHA Loans
30 yr	3.500	0.666	4.600
15 yr	3.000	-0.128	4.160

Jumbo Loans
30 yr	4.500	0.000	4.621
15 yr	4.000	0.000	4.209

VA Conforming Loans
30 yr	3.500	0.666	3.928
15 yr	3.000	-0.128	3.756

VA Jumbo Loans
30 yr	3.750	-0.507	4.053

Texas Vet Loans 15-30 yr
Base Rate		3.60	4.233
DVD Rate		3.10	3.723

Home Equity Loans
30 yr	3.750	0.883	3.995
15 yr	3.250	0.595	3.683

More Rates Notes for rates

Conforming Loan Limits**
	1 Unit	$417,000
	2 Unit	$533,850
	3 Unit	$645,300
	4 Unit	$801,950

** Loan Limits remain the same for 2011.

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