Home Loans

From Purchase to Refinance and Everything in Between


Whether you have found the house of your dreams to call home, a second home, or an investment property, we can make that dream a reality. We utilize all types of loan products:

  • Conventional:  As low as 3% down- Loan amounts to $765,600

  • FHA:  As low as 3.5% down

  • VA:  As low as zero down- affordable options for retired or active service members and veterans

  • USDA:  As low as zero down on homes in certain rural areas

  • Jumbo:  Loan amounts $765,601 and above

We have competitive fixed and adjustable rate options as well as flexible terms from 8 to 30 years.

Our experienced home loan professionals will guide you step by step through the process.



If you’re in the market to refinance your primary residence, second home or an investment property, we can help. Let one of our home loan professionals assist you with an evaluation of market rates and terms available.

Home Equity

Our Home Equity loan allows you to take a portion of your home’s equity and use those funds for anything you choose. This loan is a 1st mortgage secured by your home. Competitive rates and terms available.


Whether you are building your first home or forever home, we have a construction loan for you. We’re happy to work with you and your builder to make your dream a reality. We offer competitive rates with local decision making and fast turnaround time so that you can get started on your home as quickly as possible. We finance up to 85% of total project cost or 85% of appraised value, whichever is less. Loan terms are generally 12-18 months depending on the size and scope of the project.

Home Improvement

Does your home need a little TLC? We have a Home Improvement loan that can be suited to your needs. Give us a call and we can provide you with all the details .


Purchase the lot for your dream home. Secure the land to build now or in the future.
• Minimum 20% Down
• Fixed rate with 3 year Balloon
• Payment based on 20 Year Amortization
• In-house underwriting, processing and fast closing

Meet the Team

Mortgage Team

Lena Bohlen
NMLS# 766436
Spring Branch Banking Center
Phone: 830.980.6950

Crissy O’Neal
NMLS# 818798
Gonzales Banking Center
Phone: 830.672.8585

Kristen Holcomb
NMLS# 1130579
Luling Banking Center
Phone: 830.875.0200

Construction Team

Kim Acker
NMLS# 1076543
Spring Branch Banking Center
Phone: 830.980.6950

Teresa Brzozowski
NMLS# 409378
Gonzales Banking Center
Phone: 830.672.8585