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“We could not be happier with our choice to bank with SouthStar. The customer service is truly second to none. If you’re looking for a true Texas bank with the best banking experience you’ll ever get, SouthStar is the one!” ~ Chandra A.
As one of the largest independent Texas banks, SouthStar Bank’s local mortgage experts have the experience and knowledge to help make your dreams of owning a home a reality. We recognize that your financial needs are unique to you – and so is the perfect funding solution.
Our quick and easy mortgage options can help you save money!
Not everyone qualifies for traditional mortgage programs, but that doesn’t mean homeownership is no longer an option. SouthStar Bank’s Star Advantage Program opens the doors for many hopeful home buyers that are without extensive employment histories and high credit scores.
SouthStar Bank offers lending solutions home loan programs that make sense for your unique financial situation, regardless of whether you’re:
As an Austin mortgage lender, we can provide funding options unavailable at many national lending institutions. SouthStar Bank is a different kind of mortgage company. that We considers a potential borrower’s complete financial picture, instead of relying solely on traditional qualifiers such as credit scores, down payment, debt load, and income. As an FDIC insured institution with over $1 billion in assets, you can be confident in our common-sense approach to providing lending solutions.
Saving for the standard 10-20 percent down payment has its advantages, which include a smaller loan balance, less paid in interest over the life of the loan, and instant home equity. However, if lack of a sizeable down payment is causing a delay in homeownership, consider a low down payment mortgage loan.
While saving for your down payment, home prices will likely continue to rise. Postponing the purchase of your new home can also cause you to miss out on historically low interest mortgage rates and flexible financing programs. Ask us about our low down payment mortgage options.
Building your dream home takes special care and financing. From securing the perfect lot to completing all phases of construction, SouthStar Bank, an Austin mortgage company, can provide the funding to make it happen. For example:
Situation #1: You’ve identified your perfect parcel, but would like to take your time finding the right architect and builder.
Possible Solution: Lot loans allow for the purchase of the land before construction plans have been finalized.
Situation #2: You’ve found an ideal custom home solution with a local turn-key builder. Their semi-custom and custom homes are available on lots owned by the builder.
Possible Solution: Construction home loans provide the funding needed during each phase of the build. Financing can also pay off an existing lot loan.
Situation #3: You’ve narrowed your selection of lots and construction plans, but haven’t yet secured financing for your custom build. You’re ready to lock-in potentially lower interest rates, lower monthly payments, and benefit from a one-time closing.
Possible Solution: Construction-to-permanent loans cover costs of the lot purchase thru the completion of the construction all in a single loan.
Since everyone’s situation is different, let SouthStar Bank’s expert mortgage lenders help you identify the type of construction financing that is the best match for your new home.
Since the time you purchased your current home, it’s likely that interest rates have decreased, home values have increased, and your credit score and income have risen. Refinancing a mortgage loan opens you up to exciting possibilities to save money that might include:
Lower monthly payments that free up funds for other financial goals
Private Mortgage Insurance (PMI) removal which reduces the costs of homeownership
Conversion of an adjustable-rate mortgage (ARM) to a fixed-rate loan which results in predictable monthly payments
Refinancing can create additional savings opportunities such as removing balloon payment requirements, reducing the repayment terms, or using available cash to pay off other debts or put toward other investments.
Visit one of our full-service Austin area branches where a community banking professional is ready to guide you through the Austin mortgage process. Whether you’re a first-time buyer, building your dream home, or purchasing recreational property, SouthStar Bank is the partner you can count on.
Please complete the form below and one of our mortgage lenders will be in touch. For immediate assistance during business hours, please call or visit your
Do you have your eye on a property in one of these locations? Contact a lending professional today to receive the superior customer service you deserve. When you select a loan officer at a Branch near your property of interest, they can provide detailed information about the area. In either case, we’re available to answer your questions and confidently walk you through the mortgage loan application process.
Established in 1920, SouthStar Bank, S.S.B., headquartered in Moulton, Texas, offers flexible, common-sense lending solutions. We specialize in residential mortgage, real estate, and construction financing. SouthStar Bank holds a 5-star superior rating with Bauer Financial and maintains a positive Statement of Condition.
