Chances are, when you’re ready to buy a home, you’ll need a mortgage, which is simply a loan that’s secured by a property (i.e., the home you buy is the collateral for the loan). And just like other types of financing and loans, you’ve got choices.
Whether you’re a first-time buyer or seasoned homeowner who is purchasing a new (or second) home, we have the loans, rates, terms, and tools to get you in your new place.
And we have a team of experienced mortgage lenders who will guide you—step-by-step—all the way home.
Start your mortgage journey with a local lending team that’s knows the neighborhood.
Here's an overview of the basic process, from start to close. And go to our Mortgage Process section for more details.
Before you even start shopping for a new home, it’s a smart move to get pre-qualified. This not only gives you an estimate of how much you can spend but it shows you are a series buyer. It can also be a competitive advantage in a competitive real estate market. Best of all, there’s no impact to your credit. Click below to get started.
Once you know how much you can spend, you are ready to start actively shopping. It’s usually recommended that buyers work with an experienced real estate professional who will guide you through the purchasing process.
If you’ve already pre-qualified, you’ve done a lot of the work! And ff you are already an ANBTX mortgage or bank customer, we can usually fast-track the process. At this step, you'll complete the online application process—with the details of the home you want to purchase—and submit your application via our secure portal.
From the time your loan is approved to the time it closes, there’s a lot of work that takes place behind the scenes. We’ll begin verifying and validating your financial and property information and finalizing your paperwork for closing.
The last step in the process is where you fund (i.e., close) your loan; it’s also referred to as “settlement”. This is where everything has come together and you’re ready to sign on the dotted line. Once you do, congratulations—you've moved from buyer to owner!
Find an experienced and local mortgage lender, who will guide you—step-by-step—through the mortgage process.
Knowledge articles are provided as a courtesy. ANBTX does not provide, and is not responsible for the product, service, or overall content.
Contact us to talk more about our mortgage solutions.