Mortgage Loans

Our goal is to provide our members the opportunity to purchase or refinance a home. The TEXAR Mortgage Department is devoted to helping our members meet their mortgage needs from start to finish.

What We Offer:

Low down payments on home purchases
Fixed interest rates for 10, 15, 20, 25 and 30 years
FHA, VA, & USDA loans
Land financing
Manufactured Homes with land
Home Equity Loans
Investment property financing

Call one of our Mortgage Loan Originators to get pre-qualified today at 903.223.0000 ext.1097!

Get Prequalified

Obtain your mortgage pre-qualification with TEXAR today!

APPLY FOR A MORTGAGE LOAN

Shopping around? Check out our secondary market rates!

Check Today's Rates

For information on scanning documents to our mortgage department click the button below.

how to scan mortgage docs

Meet Our Mortgage Loan Officers:

Lorie Owen, NMLS #416010

Lorie has a total of 23 years in the financial industry. She has been in Mortgage lending locally for the past 17 years. Whether you are purchasing your dream home or refinancing a current home loan, Lorie is dedicated to working hard for our members so they can have the best experience possible.

Kayla Jones, NMLS#1653220

Kayla has been with TEXAR for over 8 years and 5 years in the mortgage department serving in various roles. She looks forward to helping members obtain the best loans for their lifestyles and make their homeownership dreams come true.

Kristi Shackelford, NMLS #990217

Kristi has over 15 combined years in the Mortgage Industry with our local Credit Unions and Title Companies. She enjoys working with members to find the product that is just right for them. Whether purchasing or refinancing, Kristi is here to help!

Meet Our Mortgage Loan Processor:

Bianca Byers, NMLS# 2167393

Bianca has a total of 12 years in the financial industry. Her passion is great customer service and educating her members in all facets of the financial world. While the home buying process can be stressful and overwhelming, it doesn’t have to be with a caring and trained professional like Bianca in your corner.

S.A.F.E. Act Disclosure

Under the Secure and Fair Enforcement Act (S.A.F.E. Act), TEXAR is required to register each of our Mortgage Loan Originators (MLOs) with the Nationwide Mortgage Licensing System and Registry (Registry). We are then required to make the National Mortgage Licensing System Identification Number (NMLS ID#) for each of our MLOs available to members, applicants, and consumers upon request. Below are the name and NMLS ID# of each of our MLOs:

Lenders	NMLS Numbers
Lorie Owen	416010
Kristi Shackelford	990217
Kayla Jones	1653220
Bianca Byers	2167393
David Crenshaw	715352
Megan M. Smith	2329796
Randelle Snyder	415790
Connie Lee	416042
Kelly Mitchell	416037

Note: Consumers can confirm that TEXAR (NMLS ID# 415390) and TEXAR’s employee MLOs are registered at the following address: www.nmlsconsumeraccess.org