Mortgage Loans In Texas

Home loans in Texas

In today’s modern age, trying to find the right home can be a mission in and of itself. But finding the right mortgage lender can prove to be even more difficult. There are many options to select from, especially here in Texas, where you’ll have countless Texas mortgage lenders who are more than willing to offer you the greatest deal. But even though they may seem assuring, it’s imperative that you know that not all mortgage loans in Texas will offer the same set of terms. Moreover, it’s equally important that you know only one lender will benefit you the most out of all others. And if you’re burdened with trying to find the best Texas mortgage lender, then look no further than American Bancshares.

With more than 20 years of experience gained through our provided services as well as our deep commitment to empowering communities, you can best believe that our team of experts are the premier mortgage lenders in Texas. If you’re curious to learn about why you should choose us as well as what services we provide, then continue reading below.

Why You Should Choose American Bancshares as Your Trusted MLO in Texas

Texas home purchased through a mortgage loan in Texas courtesy of American BancsharesHere at American Bancshares, we are recognized as one of the most reliable and highly established MLO in Texas. For more than 20 years, our organization has assisted in empowering partners and communities. And as a result, our work has extended far beyond the state of Texas.

American Bancshares was created and designed by industry experts who carry a deep understanding of the modern home financing market. Unlike a bank, American Bancshares only offers mortgage products, meaning that all our mortgage lenders in Texas are licensed and well-versed in mortgage lending. Not only are they qualified to offer you professional and ethical advice, but they’re also dedicated to assisting you in finding the right loan with the best rate, terms, and cost-effectiveness to fulfill your best interests.

Our deep and driven passion for helping the community comes from our core values of commitment, integrity, and transparency. A majority of our staff members — including our senior management — have held every single position in the mortgage industry, which has allowed us to gain insight into the industry from all perspectives. And thanks to this in-depth knowledge, we’re allowed to effectively and efficiently adapt to industry change while still being able to provide you with incredible service and first-in-class customer services that we’re so widely recognized for.

We possess leveraged technology to provide you with a simple, straightforward, online stress-free mortgage application experience. 

FHA Mortgage Loans in Texas

There’s a common myth that with low income and an even lower credit score, you can’t possibly purchase a house. However, this couldn’t be further from the truth. When you’re given a Federal Housing Administration (FHA) loan provided by an FHA-approved Texas mortgage lender, you can trust that you’ll be able to buy property easily even when you’re financially disadvantaged.

An FHA loan is designed to assist low-to-moderate income borrowers. They require a lower than the standard down payment and credit score. If you have a credit score that’s at least 580, your down payment can likely turn out to be as low as 3.5%. And if your credit score is lower (say, somewhere between 500-579) you can still qualify for an FHA loan so long as you’re able to make a 10% down payment.

As mortgage lenders in Texas, we are deeply driven to continuously improve the quality of our communities. If you have a low credit score and need assistance paying for the acquisition of property, don’t hesitate to call us.

Jumbo Mortgage Loans in Texas

It can seem impossible to buy that huge, luxury home of your dreams when you have little in the bank to pay for it. But it is possible when you’re approved for a jumbo mortgage loan.

Jumbo mortgage loans in Texas are designed to finance luxury properties and homes that are offered in highly competitive local real estate markets. If you apply for one, you’ll undergo more rigorous and strict credit requirements than those applying for a conventional loan. However, thanks to our team’s expertise as Texas mortgage lenders, we’ll be able to indicate if you’re eligible for a jumbo mortgage loan or not. If you possess an above-average credit score and a very low debt-to-income ratio, you may be able to qualify for a jumbo mortgage.

USDA Mortgage Loans in Texas

One of the greatest and most popular mortgage loans in Texas is the USDA mortgage loan (also known as the USDA Rural Development Guaranteed Housing Loan Program). This mortgage loan is offered to rural property owners by the United States Department of Agriculture.

When you have this loan, you’re given a zero down payment mortgage if you’re eligible for the loan.

VA Mortgage Loans in Texas

If you’re an active service member, a veteran, or even the surviving spouse of either/or, you may qualify for a VA loan. 

As the best MLO in Texas, our recognition doesn’t just come from hard work, it also comes from acknowledgment. And we acknowledge just how much the amazing service members of the military have done for our nation. This is more than why we’ll gladly help you by navigating you through the complexities of VA mortgage loans in Texas.

VA mortgage loans in Texas provide generous terms including no down payment, no mortgage insurance, no-prepayment penalties, and no limited closing costs. Regardless if you’re still in the military, a veteran, or even if you’re a surviving spouse, we can assist you.

Reverse Mortgage Loans in Texas

You’ve been a resident in your home for a while and now you’re burdened with keeping up with mortgage payments. But if you’re 62 or older and possess considerable home equity you can borrow against the value of your home in whatever payment type best fits you. Unlike standard mortgage loans in Texas, reverse mortgages don’t require you to make any loan payments.

In today’s day and age, you have to be careful when applying for a reverse mortgage loan. The Texas mortgage lender you seek service from in regards to reverse mortgages might attempt to scam you. This is why you should always receive a reverse mortgage from a reputable MLO in Texas.

When you speak with us, we’ll be able to indicate to you if a reverse mortgage is the best course of action.

Hire American Bancshares For Their Mortgage Loans in Texas

When you’re ready to purchase your desired property and need assistance from a qualified Texas mortgage lender, pick up the phone and call the experts over at American Bancshares. American Bancshares has been trusted by numerous clients for not only their professionalism and expertise but also for their devotion to helping you become a part of a better community. You can trust that with our deep knowledge and handiwork, you will become delighted with our services. For any inquiries, you may call us at 1-833-937-2276 or visit us online to schedule a free consultation.

Our passion for growing communities

Servicing the community is driven by our core values of commitment, integrity, and transparency. Many of our team members and most of our senior management have sat in every chair of the mortgage industry, providing us with a full understanding of the business from all aspects. This in-depth knowledge is what allows us to quickly and efficiently adapt to industry change, while constantly providing you with superior processes and first-in-class customer service.

We have leveraged technology to bring you a simple, straightforward, online stress-free mortgage application experience.

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