Mortgage lender in Tyler, TX
Get into your next home at a mortgage rate you’ll love.
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 loan
Veterans Affairs (VA) loan
FHA loan
USDA loan
Jumbo loan
First-time home buyer loan
Down payment assistance loan
Why make Legacy your mortgage lender in Tyler, TX?
Ultra-Low Rates
With Legacy, you get ultra-low mortgage rates— guaranteed. So, you can rest, knowing that the rate you get from us is among the lowest mortgage rates in Texas.
5-Star Service
Our low mortgage rates bring clients to us, but they aren’t what brings them back. According to our reviews, they refinance and buy again with us because of the way we treat them.
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 350 Google reviews, our clients have made us the highest-rated mortgage lender in Tyler, TX.
“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.”
“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!“
“Amber Burt was very knowledgeable and made sure we got the best rate. Communication was exceptional and our entire process was a breeze.”
“Derek Jones cut our interest rate in half. The whole experience was very positive, and I feel Derek and his team genuinely care.”
“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.”
“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.”
“As a first time homebuyer, Matthew Honeycutt and and the whole Legacy Mortgage Group made the process painless. Highly recommend!”
“This is my third experience working with Legacy Mortgage Group. They have never let me down. Working with them is like working with friends.”
“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.”
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.”