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Home Loans

We're Ready to Help

Your home is one of the biggest investments you’ll ever make. Whether you are looking for a new home, considering refinancing an existing home or leveraging your home’s equity – we have a solution to fit your needs.

Parent spending time with children outside with more financial freedom thanks to BOK lines of credit.

Loans to Fit Your Needs

  • Home Purchase

    Whether you’re buying your first home or your dream home, we have a loan program to suit your needs.

  • Home Refinancing
    Looking to lower monthly payments, or have some extra cash? Refinancing your mortgage may help.
  • Home Equity Lending Solutions
    Take advantage of the equity in your home. And the best part, there are no closing costs.

Current Mortgage Rates

The most accurate way to see what your rate could be is to speak to a Mortgage banker or apply online using our digital loan application, HomeNow. After you provide some basic information, we will present loan options along with interest rates that meet your individual financial goals.

Rates based on a loan amount of $250,000, Credit Score of 740 or higher, Loan To Value ≤ 80%, 60 day lock, owner-occupied, single family residence. We assumed (unless otherwise noted) that closing costs are paid out of pocket by the borrower.

Purchase - 30 Year Conventional

This loan type has a fixed monthly payment over the life of the loan. Avoid paying mortgage insurance by putting 20% down.
Interest Rate
6.875%
APR
6.990% 1

Purchase - 15 Year Conventional

This loan type has a fixed monthly payment for the life of the loan. Avoid paying mortgage insurance by putting 20% down.
Interest Rate
6.625%
APR
6.780% 2

Refinance - 30 Year Conventional

Refinance your existing mortgage to potentially reduce the interest rate or lower your payment.
Interest Rate
7.000%
APR
7.100% 3

Refinance - 15 Year Conventional

Refinance your 30-year mortgage to a 15- year, to potentially reduce your interest rate.
Interest Rate
6.875%
APR
7.030% 4

1 The payment on a $250,000 Purchase 30-year (360 months) Fixed-rate loan is $1,642. The Annual Percentage Rate (APR) is 6.99%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

2 The payment on a $250,000 Purchase 15-year (180 months) Fixed-rate loan is $2,195. The Annual Percentage Rate (APR) is 6.78%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

3 The payment on a $250,000 Refinance 30-year (360 months) Fixed-rate loan is $1,663. The Annual Percentage Rate (APR) is 7.1%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

4 The payment on a $250,000 Refinance 15-year (180 months) Fixed-rate loan is $2,230. The Annual Percentage Rate (APR) is 7.03%. Payment does not include taxes and insurance premiums. The actual payment amount will be greater.

Important Disclaimer

Your actual rate, payment, and costs could be higher.
Program rates, terms and conditions are subject to change at any time. All loans are subject to credit approval. This is not a commitment to lend. Products and programs are not available in all states. Get an official Loan Estimate before choosing a loan. Contact a Mortgage Banker for further information. Rates are subject to change without notice. Other restrictions may apply.

Frequently asked questions

Got questions? We've got answers. And, if you don't find what you're looking for, call ExpressBank at 800-346-5312, or schedule an appointment to visit us at the banking center location nearest you.

It depends on what you need the loan for. Both use your house as collateral for the loan, but they're distributed in different ways. A home equity loan is disbursed all at once, and has monthly payments that don't change. The home equity line of credit is accessible for a long-term period of time, and you can take money out as you need it. It has a variable interest rate, and so your payments vary based on your interest rate and how much money you've taken out.

You can simply apply online using our mortgage application. The application will ask questions about the house you are planning to buy and your finances. It can take less than 20 minutes to complete. If your application is approved online, we'll ask you for a deposit to cover the cost of the appraisal on your home so that we can begin to process your request immediately. After your application is completed, a mortgage banker will contact you to introduce themselves and to answer any questions you may have. Your mortgage banker is experienced and will provide help and guidance along the way. If your request wasn't approved online, they'll ask you for any information required to make a decision about your loan.

PMI stands for private mortgage insurance. It protects lenders in case you default on your mortgage. It is required on first mortgages if you don't have a down payment of at least 20%. It's also required if you refinance and have less than 20% equity in your house. The cost of the PMI is typically added to the monthly mortgage payment.

To find out how much estimated equity you have in your home, simply subtract all the amounts you owe on a property from your home's value. The difference is the amount of equity you may have. If you need help, use our home equity calculator.

Already a Bank of Texas customer?

Use your existing Digital Access username and password to expedite the process and see all your applications in one place.

Blend Labs, Inc. hosts the online application for us.
Already a Bank of Texas customer?

Use your existing Digital Access username and password to expedite the process and see all your applications in one place.

Blend Labs, Inc. hosts the online application for us.