When you choose us for a home loan, you can count on:
Expert personal attention.
Experienced lenders who can meet with you anytime, anywhere.
An in-house mortgage processing, underwriting, and closing department to ensure your application gets prompt, experienced attention.
Competitive rates and attractive terms.
The flexibility to tailor a program to your needs and goals.
Fixed rate, adjustable rate and specialized loans with minimal down payment.
FHA, VA and Conventional programs for first-time buyers.
State and local down payment assistance programs available.
Special veterans’ loan programs through the Texas Veterans Land Board.
Jumbo financing options.
Open the door to your dream home.
Whether you’re buying, building, refinancing or improving your home, we’re ready to help you get the financing you need quickly and easily.
The biggest benefit of a fixed rate mortgage is the fact that the interest rate will not change over time. Your interest rate and principal payment will be locked in for the entire life of your loan. They will never increase, even if the market rates change. This gives you peace of mind and allows you to budget your finances for a consistent, fixed payment over the duration of your loan.
Other benefits include:
- Competitive interest rates
- Easier-to-understand loan terms and paperwork
An adjustable rate mortgage (ARM) is a mortgage in which the interest rate may change over time. With an adjustable rate mortgage, the interest rate may change periodically, usually in relation to an index such as the Secured Overnight Financing Rate (SOFR), and payments may “adjust” up or down accordingly. Unlike a fixed rate mortgage, homeowners with this type of home loan aren’t guaranteed the same interest rate for the duration of their loan. The risk of an increasing interest rate is something that borrowers should take into account when considering an adjustable rate mortgage for their home financing.
Because the borrower assumes more risk with this type of mortgage, adjustable rate mortgages offer prospective homeowners some notable benefits.
Adjustable rate mortgages may offer lower initial interest rates and monthly payments than fixed rate mortgages in exchange for possible future rate adjustments. With an adjustable rate mortgage, the initial interest rate is fixed for a set period, such as 3 to 10 years, and the interest rate adjusts up or down depending on market conditions after that.
VA loans are a special type of home mortgage reserved for active military members and veterans. These home loans are guaranteed by the U.S. Department of Veterans Affairs and offered by participating approved lenders. VA loans allow eligible veterans and active military personnel to realize their home buying dreams and help existing VA loan homeowners with money-saving refinance options.
VA loans are designed to provide long-term home financing to qualified active duty military and veterans and, in some cases, their surviving unmarried spouses.
VA loans offer several additional advantages over other types of mortgages, including:
- 100% financing option is available - no down payment required
- 30- and 15-year fixed rate loans
- No private mortgage insurance requirements
- Those with less than perfect credit can apply
Eligible for a VA Loan?
- Active-duty military
- Reservists and members of the National Guard
- Some surviving spouses of veterans
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Our experienced mortgage lenders are always available to discuss your plans and develop a customized solution based on the unique aspects of your situation. We are committed to your success, and are here to act as your trusted advisor on everything from your home needs to your home dreams.
Please note when using the Mortgage Calculators that your actual rate, payment and costs could be higher. Get an official Loan Estimate before choosing a loan.
This toolkit will help you become familiar with how interest rates, points, balloon payments, and prepayment penalties can affect your monthly mortgage payments.
Learn all there is to know about Adjustable Rate Mortgages (ARMs)
The potential for fraud exists with virtually every transaction. Here are some tips on how to be alert and minimize your risk.
American Bank, N.A. NMLS #469472. 800 N. Shoreline Blvd, Suite 200., Corpus Christi, TX 78401