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"Open Door" Mortgages

Why pay rent when you can own your home for the same or often lower monthly payments? Getting your foot in the door of your very own home is easier—and cheaper—than you think! Our Open Door program offers lower down payments than most conventional loans and adds any fees associated with purchasing your home to your monthly payments.

  • Up to $200,000 available to qualified borrowers
  • Lower down payments than most conventional home loans.
  • Normal cash flow margins.
  • Your taxes and insurance payments are added to your monthly house payment with an escrow account.
  • Flexibility in making credit decisions. We consider other items like rent and utility payments.

Portfolio Mortgages

Our customers like to know their lender and know who to call if they have any questions about their mortgage. With an in-house mortgage, your hometown lender will be there every step of the way.

  • Low down payment
  • Normal cash flow margins
  • Normal filing and closing fees paid by borrower

Lot Loans

Whether you're getting ready to break ground on a new home our building the equity you need to start construction, we offer low down payments for qualifying residential lots.*

  • Competitive interest rates and down payments
  • Interest payments only for up to 1 year
  • Amortizing payment programs up to 15 years

*Eligible lot purchase must be platted residential lots less than 25 acres in size.

Home Equity Loans

Unlock your home's hidden potential today! Home equity loans are ideal for using the equity in your home for debt consolidation or other expenses.

Interim Construction Loans

Working closely with your builder, we take the stress out of the construction process by advancing funds as the project progresses. You simply make interest payments on the funds advanced.

Mortgages — Secondary Market

Conventional Fixed Rate Mortgages

Featuring a fixed interest rate over the life of the loan, we offer competitive terms, rates and reduced fees for conforming loans up to $417,000.

FHA Home Loans

These loans have been insured by the Federal Housing Administration (FHA) and offer first time homebuyers significant advantages when purchasing a home like low down payments, flexible options for your down payment and easier qualification requirements.

Jumbo Loans

A mortgage product ideal for the higher-priced homes on the market. Featuring fixed interest rates over the life of the loan for loans over $424,100


Refinancing can be used to your advantage financially to lower your monthly payment and reduce your mortgage rate. Our experts can help you find the most effective way to refinance your home based on your financial needs.

Home Equity Loans

Unlock your home's hidden potential today! Home equity loans are ideal for using the equity in your home for debt consolidation or other expenses.

Mortgages Loan Toolkit

The Mortgage Toolkit is a step-by-step guide through the mortgage loan process that provides:

  • "Interactive" forms to help applicants determine an affordable payment amount
  • Potential questions to ask throughout the loan process
  • Information on different types of loans and "risky" features
  • Tips for avoiding pitfalls and handling problems
  • Information on closing costs and understanding the Loan Estimate and Closing Disclosures
  • Information on keeping up with property costs, flood insurance, and using a home as collateral for subsequent credit

Download Toolkit

Mortgage Team

Kandice Bethke

Kandice Bethke

NMLS ID 784664


Phone: (830) 997-4105

Robert Martinez

Robert Martinez

NMLS ID 853633


Phone: (830) 249-6514

Margaret Jobes

Margaret Jobes

NMLS ID 649525



Frances Barrera

Frances Barrera

NMLS ID 649529



Samantha Robinett

Samantha Robinett

NMLS# 649527

Secondary Mortgage Provider


Bobby Priestley

Bobby Priestley

NMLS# 231314


(737) 208-8502