- IMPORTANT MESSAGE for Veterans -
VA JUMBO LOANS NOW AVAILABLE UP TO $1,500,000... Loans over $417,000
require a down payment. Other restrictions may apply... More Details
Home Loans
for Texas Properties		   Prequalify Online
 start here

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.

  

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 Good Faith Estimate to you for your review. No obligation, just the facts.

(Click Here)
Purchase
loans		   Just Need A GFE
good faith estimates

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.

  

Here is an even shorter and quicker form if you are already pre-qualified and only want a Good Faith Estimate emailed to you.

(Click Here)
Refinance
loans		   Lock
your interest rate

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.

  

The interest rate quoted on your Good Faith Estimate can change until you lock it in with our office. On most loans you can lock once we have your loan application and a sales contract.
Call to lock:
888-623-7083
259-7788 in Austin
Home Equity
refinance loans		   Apply Online
loan applications

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.

  

When you are ready to go with Texas One Mortgage it's easy with complete Online loan applications for purchase or refinance.

(Get Approved Now!)
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, No credit check and No Income verification.
   Texas Vet Loans
  • Loan amounts up to $325,000
  • Great program for Service Era Vets (Active duty prior to 01/01/1977 and discharged from active duty less than 30 yrs.) If you qualify, the 30 yr rate is 4.46%.
  • Texas Vet using VA guidelines
    Zero down up to 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.

 

Freddie Mac's Weekly Primary Rate Survey - July 3rd, 2008
30 yr Fixed 15 yr Fixed 5/1 ARM 1 yr ARM
Average Rates 6.35% 5.92% 5.78% 5.17%
Fees & Points 0.60 0.60 0.70 0.60
More Information

 

What's New?
Zero-Down Conventional Loans - NO LONGER AVAILABLE
As it stands now, mortgage insurance companies and financial institutions will no longer allow zero-down conventional loan programs. The minimum down payment is now 3% down and requires a minimum credit score of 620. (Effective 05/23/08 - 3% down loans will require a minimum credit score of 680)
VA and Texas Vet are the only loans we have that allow a zero down payment.
Credit Score Adjustments - On conforming loans, credit scores below 720 to 740 will now have higher rates or costs, depending on how low your scores are.
VA loans below 661 will now require credit score adjustments, too.
 See our interest rate sheet for applicable adjustments
Commercial Loans - Texas One is now offering commercial loans nationwide. Purchase or refinance. $200k-$100M. More Details
VA Loan Limit Increased - VA Jumbo loan amounts up to $1,500,000. Loans over $417,000 require a down payment. More Details
40 year Loans - Conforming & Jumbo fixed rate loans and 3/1, 5/1, 7/1 & 10/1 ARM loans available. (Not available on VA, Texas Vet and some other loans)
Home Improvement Loans - Stand alone 2nd liens for home improvements. From $25,000 to $100,000. See Rate Sheet for rates and details.
Call 888-623-7083 for details. Or click here for a Good Faith Estimate.

 

Footer
hudlogo.gif (1967 bytes) Texas One Mortgage Company
10988 E. Crystal Falls Pkwy, Leander, TX 78641-2248 (map)
Ofc: 512.259.7788 Squiggle.gif (79 bytes) Fax: 512.259.4408 Squiggle.gif (79 bytes) Toll Free:888.623.7083
Contact Us Squiggle.gif (79 bytes) www.TexasOneMtg.com
 
© Copyright 1996-2008 Texas One Mortgage Company. All rights reserved.
A Texas Based Company. TX Mtg. Broker License #1235.		 BBBOnLine Reliability Seal

Current Rates
07/03/2008 2:15 PM
Rates are HIGHER.
Term Rate Pts APR
Conforming Loans
40 yr 6.750 0.532 6.887
30 yr 6.375 0.529 6.529
20 yr 6.250 0.964 6.507
15 yr 6.000 0.749 6.284
10 yr 5.875 0.655 6.254
Jumbo Loans
30 yr 7.750 0.717 7.884
15 yr 7.250 0.637 7.442
VA Conforming Loans
30 yr 6.250 0.957 6.577
15 yr 6.500 -0.674 6.911
VA Jumbo Loans
30 yr 6.250 0.607 6.355
Texas Vet Loans (VHAP)
20-30 yr Base Rate 5.95
Home Equity Loans
30 yr 6.500 0.732 6.675
15 yr 6.125 0.776 6.415
*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 2007.
Licensed by:
Texas Department of Savings and Mortgage Lending
MB License #1235
LO License #1290

Our Loan Applications
Are Secured by:

Members of:

BBBOnLine Reliability Seal
BBB Central Texas
Greater Leander
Chamber of Commerce
 

 
 
 
 

 

  

Home