Buy. Build. Refinance.

Make your next move with LegacyTexas.

Mortgages Made Easy

Award-Winning Team

For decades, our trusted team of award-winning professionals has been consistently recognized as the best in our business.

Personalized Solutions

We'll take time to get to know you and make recommendations that fit your needs.

Open Communication

From the time you apply until the time you close, we'll keep you informed every step of the way.

Whether you're buying, building or refinancing your home, we'll help you make the right move.

Overview

LegacyTexas Mortgage combines award winning loan officers, a wide range of home financing options, and common sense underwriting to provide our customers the premier mortgage experience in the Dallas/Fort Worth area.

  • Award Winning Loan Officers
  • Local Operations and Local Decisions
  • Friendly and Personal Customer Service
  • A Home Financing Option for Every Situation

Our business is built on our passion for relationships, not transactions. When you have a mortgage need, we have the experience and mortgage options to help you. 

Home Buyer’s Guide

We have prepared this Buyer’s Guide to assist you in preparing for your purchase, making informed decisions, securing the best financing and finding the right home.

Take a Look

Buy a Home

We offer loan options for any purchase situation. We will guide you through the loan process and find the choice that is the best fit for you and your family.

  • Primary Residence
  • First Time Home Buyers
  • Second Homes
  • Investment Property

Get Started

If you’re purchasing your first home, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Build a Home

Building a home can be a complicated process. LegacyTexas understand construction financing. We have the relationships, experience, and resources to make building your dream home simple.

  • Lot Loans
  • One Time Close
  • Purchase Plus Improvement

Get Started

If you’re ready to apply for a mortgage loan, we'll work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Refinance Your Mortgage

Refinancing your mortgage can be a really smart move. Whether you want to take cash out, shorten the term, or lower your monthly payment, we can find the best refinance option for you.

  • Cash Out
  • Lower Monthly Payment
  • Modify Rate Term
  • Refinance Plus Improvement

Get Started

If you’re ready to refinance your home, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Mortgage Checklist

There are a lot of documents involved in the mortgage process. To ensure a smooth process, gather these documents ahead of time and respond to requests for additional information as quickly as possible. Depending on your personal financial situation and loan desired additional documentation may be needed.

Needed for Application
  • Valid Primary Identification1
  • Federal Income Tax Returns (previous two years)
  • W-2 Forms (previous two years)
  • Proof of Additional Income
  • Bank Statements (all accounts previous two months)
  • Investment Account Statements (previous two months)
  • Credit Report (Mortgage Loan Officer will obtain)

Note: The above is intended to be a General List of items needed, but your loan circumstances may require additional information or varied amount and types of documentation.

Get Started

Once you have gathered all of your checklist items, get started by filling out the loan application. 

Apply Now

NOTE:

Some of these forms may be in Portable Document Format (PDF) and you will need Adobe Acrobat Reader to view them. To get Adobe Acrobat Reader, click on the Acrobat Reader icon and follow the instructions.

LegacyTexas Financial Calculators, supplied by Fintactix, are for informational and educational purposes only. You will need to evaluate the merits and risks associated with relying on any information provided. By using this feature of the LegacyTexas website, you acknowledge your understanding and acceptance of the terms of its use.

 

Get Started

If you’re ready to apply for a mortgage loan, we'll work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

A Loan for Every Situation...

Fixed Rate

Fixed Rate loans give you the peace of mind that your rate and payments will never change. This makes budgeting and planning your financial future simple. Fixed rate loans are a great option if you plan to live in your home for a long time.

Get Started

If interested in a Fixed Rate loan, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Adjustable Rate Mortgages

An Adjustable Rate Mortgages (ARM) gives you a fixed rate for a portion of the loan, and then the interest rate adjusts yearly. ARM mortgages are hybrids that work together with your short and long term goals. ARMs are a great option if you plan on moving before the initial loan term ends.

  • Low rates and payments are fixed for the initial portion of the loan term.
  • Rates and payments adjust to reflect current market when fixed rate period ends.
  • Take advantage of falling rates without refinancing.

Get Started

If you’re ready to get an ARM, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Jumbo

A Jumbo loan is a mortgage above $424,100. We have a variety of competitive Jumbo options and the expertise to get you the right loan.

  • Fixed Rate or ARM
  • Exclusive Programs

Get Started

If you’re ready to get a Jumbo Loan, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Portfolio

We understand that every customer is unique. We manually underwrite loans and make our decisions right here in North Texas. If you are a small business owner, a doctor, have a gap in employment due to relocation, or seasonal or commission based income, we can work to find the right mortgage for you.

Common Portfolio Loans
  • Jumbo
  • Physician
  • One Time Close Construction Loans
  • Lot Loans
  • Purchase/Refinance Plus Improvements

Get Started

If you’re interested in a Portfolio Loan, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Reverse Mortgage

For Seniors, a reverse mortgage converts the equity in your home into a reliable source of monthly income. We understand that a reverse mortgage is a big decision, and we provide you with the information and respect that you deserve.

  • Retain the title to your home
  • No Monthly Payment
  • No Income or Credit Requirements
  • Flexible Distribution Options
  • Proceeds are Non-Taxable
  • Fixed or Adjustable Rate
  • Available to owners 62 and older
  • Available for home purchases

Want to know more?

Contact us today for more information about Reverse Mortgages.

972-461-7269

Government & Low Down Payment

The federal government sponsors the FHA, VA, and USDA mortgage programs. Customers that meet the individual program requirements can usually get lower down payments and qualify with lower credit scores than other loan programs require. We also work closely with regional agencies that provide assistance to prospective homeowners.

FHA (Federal Housing Authority)
  • Reduced income and credit requirements*
  • Mortgage insurance is required.
VA (Department of Veterans Affairs)
  • Current or former member of U.S. armed forces
  • 100% financing available
  • Funding fee is applicable.
USDA (United States Department of Agriculture)
  • 100% financing available
  • Home must be in a USDA qualified area.
SETH (Southeast Texas Housing Authority)
  • Down payment assistance
  • Closing cost assistance
  • The SETH program has several requirements.

Down Payment Resource

*Minimum credit scores still apply.

Get Started

If you’re interested in a Government & Low Down Payment Loan, we will work closely with you, answer all your questions and keep you informed every step of the way.

Apply Now

Meet Our Mortgage Lending Team

Our award-winning team is consistently recognized for providing the very best personalized service before, during and after each transaction.