Carlos Cepero

Whether buying, selling, refinancing, or building your dream home, you have much riding on your loan specialist. Since market conditions and mortgage programs change frequently, you must ensure you're dealing with a top professional who can give you quick and accurate financial advice. Bank of Texas has the expertise and knowledge you need to explore the many financing options available.

Bank of Texas specialties include first-time home buyers, vacation homes, investment properties, jumbo mortgages, rate and term refinances, and cash-out mortgages. Our job is to give you expert advice to allow you to make a sound financial decision, all while delivering unparalleled customer service.

With over 20 years of experience in the mortgage industry, Carlos is dedicated to helping clients navigate the home financing process with confidence. Specializing in all types of loan programs, including conventional, FHA, VA, jumbo, refinance, and specialty lending solutions, ensuring each borrower finds the option that best fits their financial goals. Providing clear communication, attention to detail, and commitment to delivering a smooth, stress‑free experience from application to closing. Whether working with first‑time homebuyers, repeat buyers, investors, or homeowners looking to refinance, Carlos takes a personalized approach to every loan.

His deep industry knowledge, combined with a strong local presence and a client‑first mindset, allows him to consistently deliver reliable guidance, competitive options, and results you can trust.