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Tony helped us along the whole process. Form pre-approval to closing. He was able to find a solution for our situation and get us approved and closed. He is easy to work with, knowledgeable and trust worthy. â
For most people, financing is one of the most important factors in the purchase of a new home. Because mortgage industry guidelines and loan product offerings change frequently, working with a knowledgeable loan officer backed by a strong, service-first mortgage company is paramount.
At First Texas Homes, we want your homebuying experience to be the best possible, so weâve teamed up with top mortgage professionals. Whether youâre looking for a straightforward conventional, FHA, VA loan or a specialty product (including Jumbo, ARM, Bank Statement Only, Bridge Loans or NON-QM programs), our preferred lender has the knowledge and resources to tailor a loan to your needs.
When closing your loan with First Texas Homesâ preferred lender, you can rest assured youâre getting competitive products and exceptional service. Donât be swayed by too-good-to-be-true online offersâchoose our preferred lender for your new home financing needs. Itâs just smart business.
Select a community below for financing incentives and Loan Officer Contact Information.
Select your community above, then enter your home price in the calculator below to see an estimated payment. When a community is selected, your available âYour Wayâ incentive is applied automatically (defaulting to $25,000 Your Way if no incentive is published).
Youâve written your contract and youâre ready for the next step. Our team can issue a quick pre-qual with minimal documentation and provide an estimate of your monthly payment using the incentives available with our preferred lender. For most borrowers we typically ask for the last 2 months of bank statements, 2 years of tax returns and W-2s, and a soft credit pull (does not impact your score).
If youâre building from a plan, before First Texas Homes starts construction our preferred lender completes a more thorough pre-approval: we review income, debts, and assets to determine your debt-to-income (DTI) and maximum loan amount. Your application runs through Desktop Underwriter (DU) or another Automated Underwriting System (AUS) to issue a conditional approval and list of required conditions. Youâll leave with a clear budget, estimated payment based on todayâs interest rates (subject to change), and guidance for design center selections or upgrades.
As your home nears completionâor if youâre purchasing a Quick Move-In homeâwe finalize your file for full underwriter approval, re-verify income/debts/assets, complete a hard credit pull, and work with you to satisfy final conditions. In many cases, closing can occur in as little as two weeks after receipt of all documents and once the appraisal and homeownerâs insurance are in place.
About three days prior to closing youâll receive your Initial Closing Disclosure (CD)âan estimate of your final closing costs. Please acknowledge receipt promptly; figures may adjust as the title company balances fees. Before closing youâll receive the final CD and instructions for your closing costs (typically paid via cashierâs check from your bank). Youâll close at the title companyâs office or, in some cases, at your communityâs model home with a mobile notary. Your closer will review each document and answer questions. Once completeâkeys in hand!
Daily coordination with First Texas Homes helps keep construction and financing in sync, even with delays or expedited timelines.
Dedicated loan officers who know new construction, set clear expectations, proactive updates, and responsive support.
A full suite of loan programs: Conventional, Jumbo, FHA, VA, and specialty solutions tailored to your goals.
Eligible communities offer âYour Wayâ incentives and an NFM gift card per the promotion.
Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. All borrowers must meet minimum credit score, loan-to-value, debt-to-income, and other requirements to qualify for any mortgage program. CrossCountry Mortgage, LLC NMLS3029 nmlsconsumeraccess.org. See Disclosures for a complete list of state licenses. Branch NMLS2394212
Style your new home with stunning furniture, high-end appliances, and stylish decor from the largest furniture store in Texas. As a valued First Texas Homes customer, youâll also enjoy these unbeatable perks:
50% Off suggested retail on select furniture and area rugs. 10% Off current price on select 75" & larger TVs. Free shipping with any furniture purchase of $349 or more.