Mortgage Products

ValueBank Texas offers a variety of loan programs to meet your needs. Please call one of our loan representatives for further information.

Conventional Loan Product

Mortgage Loan Limits and Loan to Value (LTV) Limits:

  • Purchase Refinance and Home Equity
  • Maximum Loan Limit $417,000
  • Minimum Loan Amount $50,000
  • Down payment as little as 3% of Sales Price
  • Loan Terms 10,15, 20, 25, 30 years
  • LTV over 80% requires Mortgage Insurance
  • Primary Residence, Secondary Residence or Investment Property
  • Cash Out Refinance Up to 80% LTV
  • Minimum FICO score 620

FHA Loan Program

  • Purchase and Refinance
  • Down payment as low as 3.5% of Sales Price
  • Gift allowed for down payment
  • Seller Contribution up to 6%
  • Minimum FICO score 640

VA Loan Program

  • Purchase and Refinance
  • Borrower must be an Eligible Veteran or Unmarried Surviving Spouse of an Eligible Veteran.
  • Primary Residence or Owner Occupied.
  • Terms: 30 and 15 year
  • Max DTI 41%
  • Minimum FICO score 620
  • No Down payment required (100% financing of sales price)
  • Seller contributions up to 4%
  • Mortgage Insurance/Funding Fee Required

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