Purchase

Home Starts Here

Buying a home can be an exciting new beginning. You’ll be ready to make this important decision with PrimeLending, a PlainsCapital Company by your side, answering every question and guiding you through the process.

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Explore Purchase Loans

Whether you’re a first-time homebuyer or a veteran of the process, when you’re ready to buy your next home we’ll help you find the right mortgage program to fit your needs.

Fixed-Rate Mortgage

Offering home loan stability

A fixed-rate mortgage is for home buyers who value predictability, as the interest rate and monthly payment will never change. Both 15 and 30-year options are available.

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Adjustable-Rate Mortgage (ARM)

Giving flexibility to borrowers

Borrowers start with a lower interest rate that after a set initial period of time, changes at regular intervals. ARMs are great for borrowers who plan to move within a few years or expect more income in the future.

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Conventional Loan

Best for the financially stable

Conventional loans are not backed or guaranteed by the government, and offer more loan options to choose from. Typically have lower rates since the borrower has solid income and credit.

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Jumbo Loan

For higher priced homes

A jumbo loan is required when the loan amount exceeds the standard conventional loan limit in your area.

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FHA Loan

More affordable options

FHA loans offer a lower down payment and more flexible income and credit requirements. They're backed by the government and are designed to make homeownership more affordable.

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VA Loan

Giving numerous benefits to veterans

A VA loan is designed to help qualified military members, veterans and their families buy a home with a mortgage that fits their needs. No down payment1 and no PMI2 required.

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USDA Loan

Find your rural

USDA loans are only eligible in rural areas outlined by the USDA — but many suburban areas qualify. These loans require no down payment and often have lower interest rates.

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New Construction

Build your dream home

New construction loans help finance home builds from the ground up. It's a two-step process that helps start the build, then a refinance after construction is complete to get you the best terms possible.

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Down Payment Assistance3

Save money upfront

These programs are designed for home buyers who may be ready to buy new home, but don’t have much money to use for a down payment. There are options that offer 3% down and less.

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3D-Printed Homes

Buy or build with ease

Getting a mortgage for a 3D-printed house is exactly the same as financing a traditionally built home. We have the financing options you need to make your 3D-printed home a reality to help you fulfill your long- and short-term homebuying goals.

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Purchasing
Tips & Tricks

Applying for a Home Loan

When you understand all that goes into the application process, it makes every step easier — and this video will guide you through some important steps. From documentation to credit score to closing, we're here to help you achieve your homeownership goals. Watch this video for more details into our simple process.
 

Steps in Buying a House

Steps in Buying a House

The process of buying a house doesn't have to be stressful. Whether you're a first-time homebuyer or you've purchased a home before, with PrimeLending you can relax. We make the home buying process simple and easy to understand.

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How to Get Qualified for a Home Loan

How to Get Qualified for a Home Loan

Getting qualified4 for your home is a very good idea. It's a simple, initial step you can take before starting the formal loan process. It's not required, but it will save you a lot of time and hassle once you're ready to buy and start looking for a home.

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Making an Offer on a Home

Making an Offer on a Home

When you're ready to make an offer and purchase your home, expect some negotiations until you reach a final price the seller is willing to accept. It's a good idea to work with a real estate professional to conduct the negotiations and serve as a trusted advisor.

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Mortgage Calculator

Mortgage Calculator

Wondering what a mortgage looks like broken down into monthly payments? Or how decreasing your down payment will impact what you pay over time? Use our calculators to run the numbers for yourself.

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