Mortgage lender in Tyler, TX

Get into your home with the lowest mortgage rate in Texas—guaranteed.

Mortgage lender in Tyler TX

Getting the right home loan shouldn’t be a pain

Choosing the right mortgage loan can be overwhelming. But it doesn’t have to be. With us, you’ll understand your options and know which home loan is right for you:

Conventional mortgage loans in Tyler, TX

Conventional loan

VA loans in Tyler, TX

Veterans Affairs (VA) loan

Mortgage company that offers FHA loans in Tyler, Texas

FHA loan

Get a USDA loan in Tyler, TX

USDA loan

Mortgage lender that offers jumbo loans in Tyler, TX

Jumbo loan

Mortgage broker that offers first-time home buyer loans in Tyler, TX

First-time home buyer loan

Mortgage lender that offers down payment assistance loans in Tyler, TX

Down payment assistance loan

Why make Legacy your mortgage lender in Tyler, TX?

Mortgage company with the guaranteed lowest mortgage rates in Tyler, Texas

Lowest Rates

With us, you’ll get the lowest mortgage rates in Texas—guaranteed. So, with us, you can rest, knowing that the rate we quote is the absolute lowest mortgage rate in Texas.

Best mortgage company in Tyler TX

5-Star Service

Our lowest mortgage rate guarantee brings clients to us, but it’s not what brings them back. According to our reviews, they refinance and buy again with us because of the way we treat them.

Mortgage lender in Tyler, Texas, that lets you close quickly

Efficient Closings

Closing can be stressful, but it doesn’t always have to be. Over the years, we’ve tailored our home loan process to eliminate common frustrations, and our standout team makes it happen.

What our clients say

With an overall 5-star rating on more than 330 Google reviews, our clients have made us the highest-rated mortgage lender in Tyler, TX.

Highest rated mortgage lender in Tyler TX
Mortgage lender in Tyler TX that makes even tough loans happen

“My situation was very specific and made it difficult to get approved, but Scott Roycroft made it happen! So grateful and the process was so easy.”

Devon Hale

Best mortgage lender in Tyler Texas

Sharon Harty is the nicest, most genuine person. Working with her was the best home buying experience. I could not believe how easy it was!

Keith Williams

Easy home loan process in Tyler TX

Amber Burt was very knowledgeable and made sure we got the best rate. Communication was exceptional and our entire process was a breeze.”

Justin Kelly

Lowest mortgage rates in Tyler TX

Derek Jones cut our interest rate in half. The whole experience was very positive, and I feel Derek and his team genuinely care.”

Leah Brewer

Highly recommended mortgage company in Tyler TX

Neal Anthony is my go-to referral. He is knowledgeable, easy to talk to, and does everything in his power to get the loan closed. Highly recommend.”

Monique Hammond

Best first time home buyer mortgage company in Tyler TX

Lee Reynolds has been the best help/mentor through the process of purchasing my first home. I was so overwhelmed, but he had my back.”

Fabiola Jacobo

Highly recommended mortgage company for first time home buyers in Tyler Texas

“As a first time homebuyer, Matthew Honeycutt and and the whole Legacy Mortgage Group made the process painless. Highly recommend!”

Zane Porter

Mortgage lender in Tyler TX that won't let you down

“This is my third experience working with Legacy Mortgage Group. They have never let me down. Working with them is like working with friends.”

Kristin Meharry

Top mortgage company in Tyler TX

“This was my wife and I’s second time using Legacy Mortgage, if that tells you anything. We were very satisfied with their work and responsiveness.”

Daniel Perry

Home loan FAQs

How do you get the best rates in Texas?

As mortgage brokers, we’re not limited to the rates offered by a particular lender. With access to more than 200 lenders across the nation, we can ensure that you get the best possible mortgage rate for your new home.

How much house I can afford?

Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

Do I pay any of your commission?

No. Our lenders all pay us a preset commission, so you never have to pay us! Our services are free to our clients!

What does my mortgage payment include?

For most homeowners, the monthly mortgage payments include three separate parts:

  • Principal: Repayment on the amount borrowed
  • Interest: Payment to the lender for the amount borrowed
  • Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard/homeowner’s insurance and property taxes. This escrow feature is sometimes optional, in which case the raxes and insurance will be paid by you directly to the County Tax Assessor and your property insurance company.

PMI (Private Mortgage Insurance): Required typically on most loans where the down payment is less than 20%, or there is not a second mortgage involved.

Which type of mortgage is best for me?

 Finding the right mortgage depends on a number of factors, but not to worry. We will ask you the right questions, help you evaluate your choices, and help you make the best financial decision for you and your family.

Fixed-rate loan vs adjustable-rate loan?

With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

How much cash do I need to buy a home?

The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply:

  • Earnest Money: The deposit that is supplied when you make an offer on the house
  • Down Payment: A percentage of the cost of the home that is due at settlement
  • Closing Costs: Costs associated with processing paperwork to purchase or refinance a house

Want 5-star service and the lowest mortgage rate in Texas? Get in touch.

How are you different from a bank?

Unlike a bank, with us, you get…

  • The lowest possible mortgage rate, not just the best one that bank can offer.
  • An even lower your rate if rates go lower during the process.
  • Loan officers who give you their cell numbers and work weekends to make things happen.

Apply now or get in touch to put us to work for you!

Our mission

“We exist to glorify God by providing an exceptional mortgage experience.”

Get your home loan with 5-star service, an efficient closing, and the lowest mortgage rate in Texas.