Mortgage Loans

Introduction & General Information

At TrustTexas Bank, we want to make the financing of your home the easiest aspect of your purchase. With over 75 years of experience in the home loan business, our Association takes pride in providing the personal service and attention our customers deserve. An important part of this process is helping you select the home financing package that is right for you. To meet this need, we offer several affordable, flexible loan programs. Adjustable Rate Mortgages (ARM's) can make home loans more affordable for many buyers, while Fixed Rate Mortgages offer the security of knowing what your mortgage payment will be over the term of the loan. To determine which financing choice is right for you please browse through our site and then feel free to contact a TrustTexas Bank Loan Officer to answer any questions and help you through the application process. In order to aid you in your home shopping, your Loan Officer will also be glad to help you Pre-qualify for a mortgage loan.

Pre-qualification
Pre-qualifications are a simple and easy way to determine if you qualify for a specific home purchase or if you want to know what home loan amount you can qualify for. The pre-qualification process is fast and is provided for you at absolutely no cost. Documentation required for a pre-qualification is as follows:

• A Completed Loan Application
• Pay-stubs Covering a 30 Day period
• Bank Statements covering a 3 Month Period

When you do find the home of your dreams, the pre-qualification makes your final approval that much easier. You're already a member of the TrustTexas Bank Family!

Documentation Needed for Mortgage Loan Approval
Following is a summary list of various documentation required to complete the loan approval process. Other documentation may be required given a borrower's specific situation, i.e. self employed borrower's may be requested to provide additional financial information on the corporation/company.

Residential Loan Application

• Completed Loan Application with Signatures
• Copy of Sales Contract (If Purchase Money)

Income Information

• Pay Stubs for the Most Recent 30 day Period
• IRS W-2 Forms or Tax Returns for the Previous Two Years

Deposit Information

• Bank Statements Covering the Most Recent 3 Month Period
• Major Deposit/Investment Account Information

Miscellaneous Information

• Divorce Decree (If Applicable)
• Verification of Child Support or
• Any Additional Income - if disclosed and is needed to qualify for a specific loan amount.

Back to top