Young couple moving into new house

Mortgage Lending

Moving is easier when you have friends to help

Choosing a house is exciting. Getting a home loan is challenging. At least that's the way it used to be. At Spirit of Texas Bank, we've changed things for the better. We've reinvented the application process to make it faster and easier. Our knowledgeable loan advisors communicate in clear and simple terms so you always know what's happening now and what comes next.

Most of all, we work hard to fit you with a mortgage that makes sense for your finances, your family, and your lifestyle. Whether you're looking for stable monthly payments, a lower initial interest rate, or a reduced down payment, we can guide you through all the options so you end up with a loan that's as sweet as your new Texas home.

Ready to Take the Next Step?

We take a hands-on approach when it comes to your mortgage. After all, this is likely one of the largest investments you've ever made. To get started, complete our short Pre-Qualification Form. Once you submit your information one of our mortgage loan officers will reach out to you soon. 

Creative Financing Assistance

  • Down payment assistance for qualified borrowers through our Spirit Helps Mortgage Program
  • Up to 100% financing through our Spirit 1 Mortgage Program
  • Competitive, fixed rates
  • No origination fees 

Fixed-Rate Mortgages

  • Affordable rates and low closing costs
  • Terms available from 1 to 30 years
  • Stable monthly payments for life of the loan
  • Refinancing options available

Adjustable-Rate Mortgages

  • Pay a lower rate for an initial period of years
  • After that time period, rate is adjusted periodically
  • Caps limit how much rates can rise
  • Good choice if you plan to move again in a few years

Federal Housing Administration (FHA) Loans

  • Down payments as low as 3.5%
  • Qualify with less-than-perfect credit score
  • Borrowers can receive financial assistance from family members
  • Fixed-rate and adjustable-rate loans available
  • Good choice for many first-time homebuyers

USDA Loans

  • Available to borrowers who want to live in rural areas and certain suburbs
  • 100% financing available
  • Qualify with less-than-perfect credit
  • Fixed-rate options of 15 and 30 years
  • Below market mortgage rates
  • Reduced mortgage insurance premiums
  • Work with an experienced USDA lender

VA Loans

  • Active duty military, veterans and reservists are eligible
  • Down payments as low as 0%
  • Reduced closing costs
  • No monthly mortgage insurance
  • Flexible credit requirements
  • Refinancing options available

New Home Construction Loans

  • Financing for all phases of the construction process
  • Fast approval and closing to keep construction on track
  • Loans custom-designed around your specific financial needs and timelines
  • Affordable interest-only payments during construction
  • Easily convert construction financing to long-term mortgage

Investment Loans

  • Financing for single-family homes and multi-unit properties
  • Fixed-rate and adjustable-rate loans available
  • Funds for property purchase and renovation work
A bank employee is standing at a desk in front of a computer, and greeting a woman customer in line.

Why Spirit of Texas Bank? 

  • Strongly focused on customer service. 
  • World-class banking services. 
  • Firm Texas roots.