Affordable Home Mortgage
Many homebuyers, especially first-time homebuyers, have unique mortgage needs. That’s why we offer a variety of mortgage loans, like our Affordable Home Mortgage Loan, that are tailored to you. Apply now and submit your information and we’ll connect you with one of our Amegy Bank Mortgage Officers.
The Affordable Home Mortgage Loan
Let’s build stronger communities together. The Affordable Home Mortgage Loan is a mortgage loan featuring a variety of benefits for qualified or first-time homebuyers. Amegy Bank Mortgage Officers can help you prepare to find the program and type of loan that best accomplishes your goals.
Benefits you should know about
Advantages
- Our Affordable Home Mortgage Loan Program offers a 3% down payment, no lender fees, lender-paid private mortgage assistance, and other benefits on a Fixed Rate Mortgage for primary residents (no cash out refinance allowed).
- Closing cost assistance for qualified first-time homebuyers.
- Amegy Bank's Affordable Home Mortgage Loan can help you if you are considered a low- to moderate-income family and have a smaller down payment or have lower credit scores than are typically required.
Things to think about
Considerations
- Getting prequalified and providing the letter of prequalification to a seller can keep you in the running when you make an offer on a home.
- The ability to make your monthly payments is just the start. Don’t forget to budget for closing costs and earmark money for a down payment.
- Taking the time to educate yourself is important. Learn about what to expect during your home loan journey by speaking with one of our Home Loan officers. Contact us below.
- Applying for a loan lets you know how much home you can afford. We can help you get pre-qualified, so you know how to shop for a new home.
Benefit from the house—and the deal that you want
Apply for an Affordable Home Mortgage Loan
The Affordable Home Mortgage Loan Program was created to equalize the playing field for borrowers, giving them the opportunity to qualify for home ownership in designated census tracts. You may be able to get competitive loan features, qualify for a larger loan, and relocate to a growing geographical area.
Own Your Home Twice as Fast
You can decide to finance for a shorter term Fixed-Rate Mortgage, doing so means you will pay a bit more every month – cutting the time it takes to own your home.
Decisions Made Locally
We make our loan decisions at the local level, so we understand our clients and the market. That means you can benefit from a faster turnaround time on approvals. And can get your loan funded sooner.
Consult a Mortgage Loan Officer
We're proud of our history of investing in communities and client relationships. Our residential mortgage team works closely with you to assess your needs and offer the loan that will work for you.
Meet the Team
Eli Perez
CRA Mortgage Lender
Houston, TX
Omar Enriquez
Vice President | Area CRA Production Manager
Houston, TX
Joe Sanchez
CRA Loan Officer
Dallas, TX
David Rosales
CRA Loan Officer
Houston, TX
Apply today for your home loan.
It only takes about 15 minutes to apply. Be ready with: Social Security Number and date of birth (borrower and co-borrower), home address and phone number (mailing address if different from home), previous address (if at residence less than 2 years) and gross monthly income.
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