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Home Loans
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.
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Prequalify Online
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)
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Purchase
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.
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NOTICE
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.
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Refinance
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.
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Lock
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
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Home Equity
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.
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Apply Online
When you are ready to go with Texas One Mortgage
it's easy with complete Online loan applications for purchase or refinance.
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| 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.
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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.
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Current Rates
02/03/2012 12:25 PM
Rates are HIGHER.
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| Term |
Rate |
Pts |
APR |
| 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 |
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| 30 yr |
3.500 |
0.666 |
4.600 |
| 15 yr |
3.000 |
-0.128 |
4.160 |
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| 30 yr |
4.500 |
0.000 |
4.621 |
| 15 yr |
4.000 |
0.000 |
4.209 |
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| 30 yr |
3.500 |
0.666 |
3.928 |
| 15 yr |
3.000 |
-0.128 |
3.756 |
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| 30 yr |
3.750 |
-0.507 |
4.053 |
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| Base Rate |
3.60 |
4.233 |
| DVD Rate |
3.10 |
3.723 |
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| 30 yr |
3.750 |
0.883 |
3.995 |
| 15 yr |
3.250 |
0.595 |
3.683 |
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*More
Rates*
**Notes
for rates** |
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Conforming Loan Limits**
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1 Unit |
$417,000 |
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2 Unit |
$533,850 |
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3 Unit |
$645,300 |
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4 Unit |
$801,950 |
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** Loan Limits remain the same for
2011.
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Our Loan Applications Are
SSL Certificate
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| Members of: |
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A+ BBB Rating
Central Texas BBB
Member since 1995 |
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