Online Banking

Mortgage Loans

At TrustTexas Bank, we want to make the financing of your home the easiest aspect of your purchase. With over 95 years of experience in the home loan business, our organization takes pride in providing the personal service and attention our customers deserve. Please 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.

Contact a Loan Officer

Features:

  • Low Closing Costs
  • No Origination Fee
  • Competitive Rates
  • Automatic Payments
  • Quick Decision Turnaround

Home Equity Loans

You may also take advantage of the equity you have built up in your home. TrustTexas Bank offers equity loans where the loan proceeds may be used for almost any purpose. The application process is easy and cost efficient.

Home equity loans allow the homeowners the option to use up to 80% of the equity in their homes. Home equity loans can be first or second liens and the proceeds can be used for almost any purpose; debt consolidation, vehicle purchase and improvements. Approval is fast and closing costs are low.

Home Improvement Loans

Don't put off those needed home improvements that will make your property more functional or enjoyable. TrustTexas Bank has flexible financing that is easy on your budget.

Whether you want to add on an extra room, remodel your kitchen or bathrooms, or make some needed repairs, TrustTexas Bank can help make it happen with a convenient, low cost home improvement 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
  • Previous 2 Years Tax Returns or W-2 Forms

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 borrowers 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.

 

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