Mortgages Made Easy
For decades, our trusted team of award-winning professionals has been consistently recognized as the best in our business.
We'll take time to get to know you and make recommendations that fit your needs.
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.
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.
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
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.
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
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
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.
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.
Once you have gathered all of your checklist items, get started by filling out the loan application.
Below are common documents that are used during our loan process:
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.
- Calculate a Mortgage Payment
- Compare Two Mortgage Loans
- Home Affordability
- Proceeds from Sale of a Home
- Rent or Buy?
- Time to Refinance?
- Adjustable-Rate Mortgage Analyzer
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.
A Loan for Every Situation...
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.
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.
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.
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.
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
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.
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
- One Time Close Construction Loans
- Lot Loans
- Purchase/Refinance Plus Improvements
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.
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.
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
- Online resource providing programs that get people into homes.
*Minimum credit scores still apply.
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.