Get The Home Loan that Fits Your Needs
Zero Down Mortgage
Up to 105% financing*
No down payment means there’s no need to diminish your savings to get the home you want. This loan assists with your down payment AND your closing costs to help make your dream home a reality.
- Perfect for first-time homebuyers* and educators**
No down payment required
Closing costs (up to 5%) included within the loan
No private mortgage insurance (PMI) - means long term savings
*First-time defined as having not purchased within the last 5 years.
**Educator defined as a borrower or co-borrower employed full-time by a school, school district or university within our field of membership.
40 Year Mortgage
Lower monthly payments
Extend your payback terms to 40 years, which means that you can afford more home with a lower monthly payment. Enjoy the peace of mind that comes with a new home and a budget you can be proud of.
Get up to a 40 year pay back period
No private mortgage insurance (PMI) - means long term savings
Lowest payment option
The information provided assumes the purpose of the loan is to purchase a property. The property valued at $420,000 with 5% down-payment (-$21,000.00) = a loan amount of $399,000 (95% loan-to-value). The property would be located within our trade area(s). An escrow account will be required for taxes, insurance, home owners’ association fees, etc.; which will impact the total monthly payment amount. The assumed credit score is 720. Rate is subject to creditworthiness. Payment Example: At an interest rate of 6.000%, the APR for this loan would be 6.118%. The monthly payment of principal and interest only would be: 480 payments of $2,195.35 at an interest rate of 6.000%. This payment example does not include taxes and insurance premiums. The actual payment obligation may be greater. All loans are subject to approval.
Mortgage Plus
Your no PMI home loan
Eliminate PMI and enjoy lower payments from the start.
Finance up to 95% of your loan
No private mortgage insurance (PMI) - means long-term savings
15, 20, and 30-year loan terms
Competitive rates
The information provided assumes the purpose of the loan is to purchase a property. The property valued at $420,000 with 5% down-payment (-$21,000.00) = a loan amount of $399,000 (95% loan-to-value). The property would be located within our trade area(s). An escrow account will be required for taxes, insurance, home owners’ association fees, etc.; which will impact the total monthly payment amount. The assumed credit score is 720. Rate is subject to creditworthiness. Payment Example: At an interest rate of 6.000%, the APR for this loan would be 6.118%. The monthly payment of principal and interest only would be: 480 payments of $2,195.35 at an interest rate of 6.000%. This payment example does not include taxes and insurance premiums. The actual payment obligation may be greater. All loans are subject to approval.
Simple Home Buying Process
Find support for where you are in the home buying process
Texas License Number: 901364
Federal Mortgage Loan Originator NMLS #402846
The information provided assumes the purpose of the loan is to purchase a property. The property valued at $420,000 with 5% down-payment (-$21,000.00) = a loan amount of $399,000 (95% loan-to-value). The property would be located within our trade area(s). An escrow account will be required for taxes, insurance, home owners’ association fees, etc.; which will impact the total monthly payment amount. The assumed credit score is 720. Rate is subject to creditworthiness. Payment Example: At an interest rate of 6.000%, the APR for this loan would be 6.118%. The monthly payment of principal and interest only would be: 480 payments of $2,195.35 at an interest rate of 6.000%. This payment example does not include taxes and insurance premiums. The actual payment obligation may be greater. All loans are subject to approval.
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Serving Dallas, Denton, Ellis, Henderson, Johnson, Tarrant, and Tom Green Counties with branches in Arlington, Athens, Bedford, Cedar Hill, Dallas, Desoto, Flower Mound, Grand Prairie, Hurst, Irving, Mansfield, Midlothian, and San Angelo
Equal Housing OpportunityPursuant to Texas Credit Union Department Rule 91.315, documents relating to Texas Trust's finances and management are available by calling (972) 263-5171.
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