Loan Types ? An IntroductionFixed Rate Mortgage remains the most popular, though perhaps over utilized loan in America.Adjustable Rate Mortgage has gained in popularity over the last decade as home buyers have become more sophisticated and knowledgeable in home finance. Construction Lending Single Close Construction Loans combine interim and permanent financing into one loan. One set of fees. One application. One closing. Big savings! Texas Home Equity Loans Information on Home Equity Loans in Texas. Home Equity Loans Information on Home Equity Loans outside of Texas. Home Equity Line of Credit Works like a credit card. Special Programs Refinance Plus With our Refinance-Plus Improvement loan you can improve your rate while getting the money to improve your home, all in one easy loan. Texas Teacher Home Loan Through bond money designated by the Texas Legislature, the 2002 Texas Tea chers Home Loan Program makes it easy and affordable for Texas teachers to buy a home by providing low down payments and low interest rate mortgages. HUD Teachers Program The Teacher Next Door program was established by the Department of Housing and Urban Development (HUD) to offer single-family houses, townhouses and condominiums for sale to teachers at a 50 percent discount. Interest Saver You can significantly reduce the interest expenses you pay over the life of your loan., Lang:English & Spanish