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TEXAR Federal Credit Union
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Mortgage Loans

Home Ownership Begins Here

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
  • Conventional loans with local servicing
  • FHA, VA, & USDA loans
  • Land financing
  • Manufactured Homes with or without 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! Call 903-223-0000 or apply online.


 SPECIAL - Mortgage Rates Have Fallen!

With the lowest rates we have seen in a while, now is a GREAT time to purchase a new home!  At TEXAR, we make the buying process a breeze with local people and local servicing.  For a limited time, we are offering an In-House 10 year fixed rate of 2.89% with no appraisal required and limited closing costs.

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

*Exclusions apply
  • Term not to exceed 120 months
  • Qualified loans range between $100,000 - $400,000
    • Must be considered new money to qualify
  • Must have a credit score of 680 or above
  • Includes first liens only, no second liens
  • Excludes rental properties, investments and manufactured homes
  • Financing options subject to change
  • Ex. A 10 year fixed loan of %150,000 at 2.89%APR*, approximate payment would be $1440.81 per month
    • Interest rate is not indicative of the actual APR*
    • APR= Annual Percentage Rate
 

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.

 

 

 

Darlene Powell, NMLS # 1068286

Darlene is originally from Cass County and moved to Texarkana in 2013.  She has been assisting TEXAR members obtain home financing since 1994.  Darlene is ready to use her experience and make your home ownership dreams a reality.

 


 

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 Processors:

Kayla Jones, NMLS#1653220 
 

Kayla has been with TEXAR for over seven years and has worked the past four years as the  Mortgage Closer. She is committed to making the process of closing your mortgage loan the best experience yet.

 

 
 
 

Vicki McDowell, NMLS#1518925 

Vicki has been in the Mortgage Industry for 10 years, with our local Credit Unions and Title Companies.  She enjoys working with members and co-workers to complete the process that is required to get the loans to closing.

 

 

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
Darlene Powell  1068286
Lorie Owen 416010
Kristi Shackelford 990217
Kayla Jones 1653220
Vicki McDowell 1518925
Bianca Byers 2167393
David Crenshaw 715352
Brooke Johnson 1702509
Laura Homan 1681569
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
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TEXAR Mobile Deposit

Depositing a check into your checking or savings account is easy with TEXAR's mobile banking app.

MORE ABOUT MOBILE DEPOSIT


woman taking a picture of a check

TEXAR Mobile Deposit

Depositing a check into your checking or savings account is easy with TEXAR's mobile banking app.

MORE ABOUT MOBILE DEPOSIT