Mortgages

Independent Bank proudly offers more than 90 customizable mortgage programs:

  • Conventional fixed rate loans
  • Adjustable rate mortgages (ARMs)
  • Federal Housing Administration (FHA) loans
  • Construction and blanket loans

We offer free pre-qualification

Call or contact a loan officer at your local Independent Bank office or loan center to request a no-obligation pre-qualification to determine which houses fit within your budget. Contact a loan officer by phone: 1.800.285.3111. You can also apply for a loan online.

Normal credit standards and restrictions apply to conventional loans. Additional credit standards apply to FHA & other government loans. Real estate financing provided by Independent Mortgage Company.

Bank-owned properties and auctions

To download a listing of bank-owned properties and auctions, visit our bank-owned properties page.

Reverse mortgages

Are you looking for a way to finance your retirement? A reverse mortgage, offered at Independent Bank’s Mortgage Company might be the perfect solution. A reverse mortgage is a home loan that does not have to be paid back for as long as the borrower lives in the home. It allows a homeowner to draw cash from the equity in their home without having to move or repay the loan each month. Rather than making a payment to the lender each month, the lender pays the borrower. Reverse mortgages offer homeowners financial security by providing a cash flow to offset expenses.

For additional information on reverse mortgages select a link from a menu on the left.

To qualify for a reverse mortgage: The borrower must be at least 62 years of age and own his/her home. All liens and judgments must be paid in full.

Home Equity Line of Credit (HELOC)

A home equity loan or line of credit will allow you to borrow money, secured by the equity in your home. Use the extra cash for whatever you choose: home improvements, tuition, debt consolidation and more. Interest may even be tax deductible!^

Use the Visa® Access card to withdraw money from your home equity line of credit. It’s the card that works just like a regular Visa card for purchases and ATM withdrawals. It’s a convenient and hassle-free.

Normal Credit standards and restrictions apply. Consult your tax advisor regarding deductibility of interest.