5 Replies to “Texas Trust Home Loans”

  1. I love that their rates are available online. There’s no need to constantly call and ask for the latest numbers. The rates are not bad either. Sure, you can find lower rates from other lenders but you have to haggle to get them. My loan officer responded quickly to email queries so that’s a big plus. I would have given them 5 stars but they made me lock a rate before they would provide a Loan Estimate which is a standard form used to compare quotes from different lenders. There were also some inaccurate numbers in the estimate that they were not interested in correcting which tells me they are not keen on improving their processes.

  2. Summary of refinance experience:

    Positives: competitive rates/fees/lender credit, transparency in fees as well as ability to check rates daily without having to commit to refinancing, portal for document upload was easy to use, and communication was prompt regarding questions before, during and after refinance (Tanner Holland was my agent).

    Not so positives: during rate lock (first time made aware of this), I had to sign agreement noting I would pay back the entire lender credit if 20% or more of loan was paid off within first 6 months (this was not discussed during any of my initial calls), closed one week later than original schedule (took 5 weeks – not a huge issue ), received final closing statement the night before close at 8pm (would have liked more time to review), loan was not transferred to a new lender before first payment was due so I had to mail my first payment in to American Capital (no other options such as online or by phone – this makes me nervous with all the post office drama lately).

    Overall the experience was good with competitive rates and process entirely online, and as a result I have already recommended them to someone.

  3. We recently refinanced our home. After researching rates with several lenders, we decided to go with Tx trust loans. They provided the lowest/best rates and the process could not have been easier! Our mortgage consultant, Tanner, was very knowledgeable, quick to respond and helped ensure everything was seamless. It was so easy and the best decision we could have made. Thank you, TX trust! Highly recommend!

  4. This was the easiest refinancing that I have ever done. Everything is automated and they even sent a notary to my house for the closing. I would highly recommend them.

  5. I worked with Tanner on refinancing my loan. He was very responsive and great to work with. I would definitely recommend using Texas Trust Home Loans for your mortgage needs.

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