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Home Loans

Whether you’re buying a new home, refinancing or pursuing any other home-related dream, Stellar is here to help you with the lending.

Products And People To Help You Make It Happen

Stellar is your go-to bank for home loan services. We offer the full breadth of products including long-term fixed-rate mortgages. Plus, you’ll have Stellar lending experts helping you navigate every stage of the home buying journey.

The Stellar Difference

Stellar bankers can handle all aspects of conventional mortgages. We do this day in and day out. But our expertise goes so much further than that. Our lenders have decades of experience with all facets of home lending. We understand construction and know how to work closely with builders. We can help with land and lot sales. We offer home equity products. Whatever your home-buying goals, Stellar can help you get there.

The Full Range of Home Lending Solutions

From mortgages to home improvement to construction and more, Stellar has the loan options you need.

Mortgage Loans

Mortgage loans

Conforming and jumbo, USDA, FHA, VA
ARMS and one-time close options for construction-to-permanent
Purchase, refinance, construction-to-permanent
First time homebuyer mortgages
Advantage mortgages, an income-based affordable home loan program
Physician mortgages
Hero mortgages for teachers, law enforcement, firefighters, EMS, nurses, active military and other community heroes

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Home Equity and Home Equity Lines of Credit

Home equity and home equity lines of credit loans

Purchase, refinance or make home improvements
Debt consolidation, education, medical bills, weddings and other long-term or big expenses
Loan amount based on a percentage of your home equity
Line of credit lets you draw funds as you need them
Variable interest rate on HELOCs
Fixed interest rate for Home Equity term notes
Home is used for collateral
Read the Home Equity Consumer Disclosure
Access the Home Equity Line of Credit Resource Guide

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Calculate Your Way To The Best Decisions

How much mortgage might I qualify for?

How much home can I afford?

How much will my fixed rate mortgage payments be?

How much will my adjustable rate mortgage payments be?

How much will I save by increasing my mortgage payment?

Should I refinance?

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Frequently Asked Questions

What is the going rate?

Interest rates vary based on current market conditions. There are also many personal factors that may impact your mortgage rate including credit score, down payment amount, loan-to-value ratio as well as the type of residence.

What if I can’t qualify for a conventional loan?

We have a full-suite of home loan products. Our Mortgage Lending Specialists will discuss your unique situation to determine the loan product that is right for you.

How do I contact a Mortgage Lending Specialist?

Contact a Mortgage Lending Specialist today. Houston region: 713-210-7653 or Beaumont region: 409-861-7225 or via [email protected].

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