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Loan Programs, Rates & Fees | Your Application
Your Property | Closing & Beyond
What happens at the loan closing?
Will I need to have an attorney represent me at closing?
Can I get advanced copies of the documents I will be signing at closing?
Who will be at the closing?
I won't be able to attend the closing. What other options are there?
Can I make my monthly payments with an automated debit from my checking account?
If I apply, where will the closing take place?
 
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The closing will take place at the office of a title company or attorney in the area who will act as our agent. If you are purchasing a new home, the seller may also be at the closing to transfer ownership to you.

During the closing you will be reviewing and signing several loan papers. The closing agent or attorney conducting the closing should be able to answer any questions you have.

Just to make sure there are no surprises at closing, the Attorney will contact you before closing to review your final fees, loan amount, first payment date, etc.

 
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We recommend that you have an attorney at the closing if it would make you more comfortable. Feel free to contact the closing agent if you have questions about attorney representation. If your attorney has any questions about your new mortgage, please refer them to your Mortgage Representative. We'd be happy to provide any information necessary.
 
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Unless there are special circumstances, the documents are usually prepared one to two days before your closing. If you would like copies of the completed documents to be sent to you before the closing, please contact your Mortgage Representative.

 
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The closing attorney acts as our agent and will represent us at the closing. However, your personal Mortgage Representative will contact you prior to closing to talk about your final documents and to provide a final breakdown of your closing fees. If you have any questions that the closing agent can't answer during the closing, ask them to contact your Mortgage Representative by phone and we'll get you the answers you need before the closing is over.
 
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If you won't be able to attend the loan closing, contact your Mortgage Representative to discuss other options. If someone you trust is able to attend on your behalf, you can execute a Power of Attorney so that this person can sign documents on your behalf. In other cases, we're able to mail you the documents in advance so that you can sign and notarize them. Then forward them to the closing agent. We're sure to have a solution that will work in your circumstances.

 
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Automated monthly payments are available. Please contact your Mortgage or Branch Representative.

 
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We use a network of local attorneys to conduct our loan closings. Typically, the attorney will be assigned by the bank and the closing will take place in their office.




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Hondo Banking Center
P.O. Box 130 ♦ 1502 Avenue M.
Hondo, TX 78861
(Main) 830-426-3066
(Metro) 830-741-3066
(Fax) 830-426-2265
Castroville Banking Center
P.O. Box 1609 ♦ 835 Hwy 90 East
Castroville, TX 78009
(Main) 830-538-3411
(Metro) 830-931-3411
(Fax) 830-538-3951
Lytle Banking Center
P.O. Box 458 ♦ 20102 IH-35 South
Lytle, TX 78052
(Main) 830-772-4445
(Metro) 830-709-3066
(Fax) 830-772-4444
La Coste Banking Center
P.O. Box 100 ♦ 15996 South Front St.
La Coste, TX 78039
(Main) 830-762-3311
(Metro) 830-985-3311
(Fax) 830-762-9180
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