(210) 985-7779 

Residential Mortgage Loans

Financing Solutions for Your Home 

• Established in 1946
• Home Mortgage, Refinancing, Down Payment Assistance, Home Equity Loans, and More
• Experienced Mortgage Lenders
• Personalized Approach

Product Spotlight:

VA Loans

Are you a current or retired member of the armed forces? You could qualify for a home loan with as little as 0% down. VA loans are specifically designed for active-duty service members, veterans, and surviving spouses.

Take The First Step Towards Home Ownership – Schedule A Consultation With Jefferson Bank Today 

Explore Our Range of Home Loans 

Mortgage Loan Options 

FIXED AND ADJUSTABLE-RATE MORTGAGES 

With a fixed-rate mortgage, you know exactly what your monthly principal and interest payments will be for the life of the loan. Your interest rate is locked in and you have the option of several different payment terms. With an adjustable-rate mortgage, interest rates can be locked in for a period of time. After the term expires, your rate adjusts either up or down based on the financial index associated with your particular loan. Your Jefferson Bank loan officer can help you determine which option is best for you. 

FEDERAL HOUSING ADMINISTRATION LOANS  

If you’re looking to buy a home but don’t have the funds saved for a hefty down payment, an FHA loan might be the perfect solution for you. This mortgage option only requires a 3.5% down payment and typically has more flexible requirements than conventional financing. 

VETERAN ADMINISTRATION (VA) & TEXAS VET LOANS 

VA loans are designed specifically for active-duty service members, veterans or surviving spouses. Homebuyers who meet eligibility requirements could qualify for a loan with no down payment and no private mortgage insurance. Jefferson Bank is a participating lender in the Veterans Housing Assistance Program, which provides an opportunity for eligible Texas veterans to purchase a primary residence in the state with little or no money down and a low interest rate.  

PORTFOLIO LOANS 

USDA MORTGAGE LOANS 

JUMBO LOANS 

Jefferson Bank offers a unique portfolio loan product that can help potential buyers with special circumstances or atypical financing requirements that can make it difficult to qualify for a conventional home loan. Portfolio loans be used for primary residence or second homes. 

Jefferson Bank offers USDA mortgage loans, which are backed by the U.S. Department of Agriculture, with up to 100% financing. USDA loans help make purchasing a home more affordable for those with low to moderate income living in qualifying rural areas. 

A residential mortgage reaches the "jumbo" category when it exceeds a certain, specific amount. Currently in Texas, a loan for a single-family home that is more than $832,750 is considered jumbo. Jefferson Bank offers jumbo loans for primary and second homes with both fixed and adjustable interest rates. 

Jefferson Bank - Your Premier Banking Destination in Texas 

Redefining Mortgage Loans For New or Existing Home Owners 

Schedule an Appointment with a mortgage lender today 

(210) 985-7779

Jefferson Bank Headquarters, 1900 Broadway, Ste. 900, San Antonio TX 78215 

With loan officers at many of our banking centers in San Antonio, Austin, Boerne, and New Braunfels, accessing our services is easier than ever. Contact us at (210) 736-7700 to schedule an appointment with a mortgage lender. 

Comprehensive Home Loan Offerings

Let Jefferson Bank Open the Door to Your New Home 

Choose Jefferson Bank for all your mortgage needs and benefit from competitive rates and exceptional service. We offer a range of solutions including home mortgages, refinancing, construction loans, and home equity loans. With flexible options accessible online and at your local banking center, our expert team ensures a smooth application process. Trust Jefferson Bank for your home financing needs and secure your future today.

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Home Financing Experts

Secure Your Dream Home with a Mortgage from Jefferson Bank

At Jefferson Bank, we understand that homeownership is not just a milestone; it's a significant financial commitment. Whether you're buying, building, or remodeling, our team of mortgage lenders is dedicated to helping you reach your goals with financing options tailored to your specific needs.

• Conventional fixed-rate mortgages
• Adjustable-rate mortgages (ARM)
• Federal Housing Administration loans (FHA)
• Veteran Administration loans (VA)
• Texas Vet loans
• Jumbo loans
• Lot loans
• Construction loans
• USDA mortgage loans

In addition to our loan offerings, our lenders have access to a variety of down payment assistance programs that can help borrowers who qualify for a mortgage but have limited funds available for a down payment.

Product Spotlight:

Doctors Home Loan Program

Home financing built for doctors. With competitive fixed and adjustable rates, flexible underwriting that accounts for student loans, employment contracts and early‑career income patterns. Jefferson Bank makes homeownership achievable.

For more information, please inquire by filling out the form at the bottom of this page.

• Extended Projected Income Options
• Student Loan Flexibility
• No Mortgage Insurance Required
• Up to 100% financing

For more information, please inquire by filling out the form at the bottom of this page.

• No down payment
• No Private Mortgage Insurance (PMI)
• More flexible qualification requirements than
  conventional loans

Product Spotlight:

Federal Housing Administration Loans (FHA)

Buying a home doesn’t always require a large down payment. If you're looking to buy a home but don't have the funds saved for a large down payment, an FHA loan might be the perfect solution for you.

*Eligibility requirements vary by program.

• Low down payment options
• Lower interest rates than conventional financing
• More flexible requirements than conventional
  financing
• Down Payment Assistance for qualified buyers*