MENU FAST LOANS We get it that no one loves filling out a loan application. So we work hard to make the process fast and as painless as a bank can be. For both mortgage and personal loans, a Pioneer Banker will be your ally and guide you every step of the way. Home > Personal > Fast Loans Mortgage rates are near historic lows. Now is the time to get a new mortgage or refi your old one. Apply Now For most of us, our home is our biggest purchase and biggest investment. That’s why a mortgage is not something any of us do frequently. Our dedicated mortgage experts make home loans every day. That’s all they do so you can expect daily status updates. Whether you need a mortgage to buy a new home or a refinance of your old mortgage to save money, Pioneer can help you get there with mortgage decisions in less time. Fixed-rate mortgages let you lock in a great rate for a long time. Flexible terms: 30-years, 20-years, 15-years, 10-years. Fixed monthly payment won’t change. First-time homebuyer options can lower your down payment to as little as 3% of the purchase price. Jumbo loans are available Start your online application here. Adjustable-rate mortgages (ARMs) are less costly if you plan to stay in your house for less than 10 years. Terms: 30-years ARM loans include options for 5, 7 and 10 year fixed rate periods. At the end of your adjustable-rate term, your rate will rise if market rates have risen. Down payments can be as low as 5% of the purchase price. Start your online application here. Pioneer Bank offers special down payment assistance programs for qualified homebuyers through the Texas State Affordable Housing Corporation (TSAHC). The Home Sweet Texas Program is for low-and-moderate income homebuyers. The Texas Heroes Program is for teachers, veterans, first responders and correction officers. Ask us for details. We also offer Federal Housing Administration (FHA) and U.S. Department of Veterans Affairs (VA) government mortgage loans. Both provide low down payment options and flexible credit and income guidelines. FHA and VA loans often make first-time homebuyer mortgages easier to obtain. VA loans are designed for active military, reservist and National Guard applicants. Apply Now Visit our Mortgage App today. Get Started Check Our Rates See just how competitive we are. Take a Look Resources Have questions? Find Answers © Pioneer Bank, 2020 | Privacy | Security