Our deep knowledge of the credit market and personal attention to each borrower means we can approve loans for qualified applicants including:

•             Borrowers lacking two years of employment history

•             W-2 employees who were previously self-employed

•             Employed individuals that have recently relocated or changed positions

•             Independent business owners

•             Second home purchasers

•             Buyers seeking to act as a guarantor for family or friends

 

We also specialize in assisting medical professionals throughout all phases of their career, including those who have strong income or income potential. 

•             A 20% minimum down payment provides flexible documentation requirements

•             Attractive rates and fees

•             Individual underwriting review per applicant based on the ability of the borrower to repay, not FNMA/FHLMC guidelines

•             All lending decisions are made in El Paso

•             Loan applicants have access to a local relationship manager who can review and assist with all their banking needs

•             For loans under $250k, loan approval is issued within 14 business days of receipt of all income and deposit information from application

•             For loans over $250k loan approval is issued within 21 business days of receipt of all income and deposit information from application

•             After closing, loans will continue to be serviced locally, with customer service team representatives available to respond to any questions or issues

 

Each application is reviewed to develop terms that meet each borrower’s need, whether for a purchase, refinance or home equity loan. Available options include:

•             Interest-only loans

•             Relationship-based incentives

•             Construction loans

•             Fixed and variable rates

•             Custom term lengths