Whether you're buying a new home, building or remodeling, you can relax knowing that we have the experience and expertise to guide you through the entire process, explain your options and make sure you get the best financing available. 
 
We have more ways to say YES! 
Flexible terms. 
Low to no down payment options. 
 
Getting Started 
When applying for a home loan, you can speed the application and approval process by bringing along the following information: 
  • Current drivers license.
  • Your most current month of pay stubs.
  • W-2 forms for the past two years.
  • If self-employed, two years tax returns with all schedules.
  • Bank statements for the past two months.
  • Statements regarding stocks, bonds, 401(k)s, mutual funds, etc.
  • Homeowners Insurance.
  • Additional documentation may be required depending on your loan request. 
     
    Apply Online! 
    Premier Bank Texas is a branch of Providence Bank (a Missouri Bank).  
    All documents will be in the name of Providence Bank. 
     
    Pre-approval 
    Having your loan pre-approved could give you more buying power when you’re looking for a home. By giving us some general financial information, we can assist you in determining how much you will be able to borrow. You will know what you can afford and being pre-approved may improve your position when negotiating the purchase. 
     
    Fixed Rate Mortgage Loans 
    Don’t worry about a constantly changing market, your interest rate is fixed and your principal and interest payment will remain the same for the life of the loan. Premier Bank Texas offers a variety of fixed rate terms. 
     
    Adjustable Rate Mortgage Loans (ARMs) 
    A popular option for people seeking lower initial interest rates and monthly payments. ARM rates are fixed for a period of time, and then may be subject to change after that. 
     
    Jumbo Loans 
    For larger homes we offer fixed-rate loan amounts in excess of conventional loan limits. Rates and terms are competitive and flexible. 
     
    FHA & VA Loans 
    These loan programs usually feature down payments and attractive interest rates. FHA and VA Loans are available in fixed and adjustable rate options for qualifying borrowers. These programs are perfect for first-time buyers; low-to moderate income buyers; buyers with limited cash; and for those with minor credit problems. 
     
    USDA Rural Development Loan 
    A new home could be within your reach with a USDA Rural Development Home Loan. These loans offer no down payment, affordable fixed rates and no private mortgage insurance. These loans also offer flexible credit and qualifying guidelines and are available for new or existing homes.  
     
    Refinancing 
    You may be able to save money and lower your monthly payments by refinancing your home. We can help you determine when the right time is for you. 
     
    We guarantee superior service and competitive rates. Call today!  
     
    Loans subject to credit approval. 
     
    Print Mortgage Frequently Asked Questions 
    Print Mortgage Glossary of Terms 
    Print Home Loan Flyer 
     
    Registered Mortgage Loan Originators 
    FDIC
    PROVIDENCE BANK DISCLAIMER: This business is not responsible for and has no control over the subject matter, content, information, or graphics when viewing links attached to this website.
    PREMIER BANK TEXAS DISCLAIMER: Premier Bank Texas is a branch of Providence Bank (a Missouri Bank). Providence Bank is not affiliated in any way with Providence Bank of Texas, Southlake, Texas.