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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.

Honoring the everyday heroes who have a positive impact on our lives.

Community Mortgage Program

Achieving your goal of homeownership could be closer than you think with our Community Mortgage Program.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

Loans subject to credit approval.

  1. 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.
  2. 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.