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Buy, build or refinance with experienced lenders who know your neighborhood.
Competitive Rates
Quick Decisions
Local Processing
FHA/VA Conventional Loans & More
See how much home fits your budget.
COMPARE MORTGAGE LOANS
Choosing the right loan will impact how much your home costs in the long run.
CALCULATE CLOSING COSTS
It is important to know how much cash you will need upfront.
Honoring the everyday heroes who have a positive impact on our lives.
$1,000 COMMUNITY HEROES CREDIT
Community heroes who close their loan with Independent Financial Mortgage will receive a $1,000 lender credit2 to be applied toward closing costs.
- Teachers
- Firefighters & Police Officers
- First Responders & Medical Professionals
- Military
VA LOANS
Backed by the Department of Veterans Affairs, a VA loan offers exclusive benefits to active-duty service members, veterans and eligible surviving spouses. Finance a home with no down payment, no mortgage insurance and lenient credit requirements.
Community Path Mortgage Loans
Achieving your goal of homeownership could be closer than you think with our Community Path Mortgage Loan.1 This affordable mortgage option offers flexibility for borrowers looking to purchase a home in select neighborhoods in our communities.
Borrow up to $350,000 on a 30 year fixed rate loan.
Put down as little as 0% with no Private Mortgage Insurance (PMI) requirement.
Available on both new purchases and refinances.
Understanding the Home Buying Process
Private Mortgage Insurance
If you are in the market to buy a new home and have less than a 20 percent down payment, you are usually required to buy private mortgage insurance...
FHA Mortgage Basics
FHA mortgages are a popular option for first-time home buyers to consider. These loans offer attractive terms, including the ability to make smaller down payments...
Being Pre-Qualified vs. Being Pre-Approved
Pre-qualified and pre-approved are some of the most common terms you may encounter when applying for a mortgage. Unfortunately, most...
Buying Down Interest Rates with Points
As a savvy consumer, you should always look for ways to shave some money from your monthly budget. Even small adjustments can...
Loans subject to credit approval.
- See a Independent Financial Mortgage Loan Officer for complete terms and conditions. Subject property must be located in low or moderate income or majority minority census tract within Independent Financial designated areas throughout Texas and Colorado.
- Offer will not affect loan program or rate. Customer must meet standard qualifications for a residential mortgage loan. Loan must close with the Mortgage Division of Independent Financial to receive the credit. Limit of one lender credit per loan.