Mortgage Loans Opening Doors

First Bank Texas offers flexible conventional loans designed to fit your budget and lifestyle. Choose between fixed or adjustable rates, with terms that work for purchases or refinances. With local decisions and personal guidance, it's our most popular choice for reliable home financing.

First Bank Texas makes homeownership more accessible with lower down payments and flexible credit requirements. Qualify with as little as 3.5% down, with the option for family or friends to help cover upfront costs. It’s a trusted choice for first-time buyers and those looking for a fresh start.

We proudly serve veterans, active-duty service members, and military families with VA loans—requiring no down payment. They also feature lower interest rates and no private mortgage insurance. With limited closing costs, you can save more as you put down roots.

First Bank Texas can help you reshape your mortgage to fit your life. Competitive rates make it easier to save money. Flexible loan options give you room to adjust your payments or term. And with local lenders by your side, refinancing your home is a simple, supportive process.