Our mortgage team at Texana Bank in Meridian is ready to help with our unique lending options. Down Payment Assistance program for 1st time AND repeat buyers – lots of banks have 1st time buyer programs, our zero down options are available to repeat buyers too! Credit scores as low as 500 – many banks require a 620+ credit score. We approve loans down to a 500 score. Call us for help! Conventional, FHA, VA, USDA and Idaho Housing. Construction Loans