Home Mortgages

Guaranty Bank offers full-service mortgage services in all 50 states and US Territories. Whether you are buying your first home, refinancing, or building a new construction home, we have a wide array of mortgage products to fit every need.

Click here to learn more about Guaranty Bank’s Home Mortgage Solutions.

Home Mortgage Solutions

Mortgage Loan Officers

Guaranty Bank & Trust Company has Mortgage Loan Officers ready to help with all of your home financing needs!

The Guaranty Bank & Trust Company Mortgage Loan Officers that meet your search criteria are listed below.

Contact one of our lenders by phone or email, or click on the name of the Mortgage Loan Officer you want to work with and you’ll be directed to their personalized page to view more information.

Eddie Reed

Learn more about Eddie

Apply with Eddie

Doug Capps

Learn more about Doug

Apply with Doug

Melanie Sanders

Learn more about Melanie

Apply with Melanie

Chuck Jackson

Learn more about Chuck

Apply with Chuck

Harry McCarley

Learn more about Harry

Apply with Harry

Lenea Waldman

Learn more about Lenea

Apply with Lenea

Amy Ellenburg

Learn more about Amy

Gentry Collier

Learn more about Gentry

Apply with Gentry

Applying online is as easy as 1-2-3.

You can apply now in as little as 20 minutes.

Click the Apply Now button and complete the application.
When you have completed the application, click submit and your information will be reviewed.
We will follow up to answer your questions.

Guaranty Bank offers several types of mortgage products:
Portfolio Loans – Mortgage loans extended, serviced, and retained by our Bank

Standard Portfolio Mortgage Loans:

Minimum loan amount $10,000
Minimum equity requirement of 15% (could be as high as 30%)
Origination Fee of $500 to $1,750

Home Prime Mortgage Loans:

Minimum loan amount of $50,000
Minimum equity requirement of 15%
Origination fee of 1% of loan amount plus $500 to $1,750

Guaranty Equity Mortgage Loans:

Minimum loan amount of $50,000
Minimum equity requirement of 35%
Origination fee of 1% of loan amount plus $500 to $1,750

High Income Mortgage Loans:

Minimum loan amount of $10,000
Minimum equity requirement of 0%
Origination fee of 1/2% of loan amount plus $500 to $1,750
Minimum income requirement of $250,000 annual adjusted gross income

Adjustable-Rate Mortgage (ARM) Loans:

Minimum loan amount of $50,000
Minimum equity requirement of 15%
Origination fee of 1% of loan amount plus $500 to $1,750
Minimum household requirement of $350,000 annual adjusted gross income or minimum of $500,000 in investable assets not including retirement account balances.

Additional mortgage products offered to SAFE Home Program Graduates:

SAFE Home Mortgage Loans:

Minimum loan amount of $25,000 / Maximum loan amount of $275,000
No down payment required
Origination fee of $500
Maximum household income restrictions apply
Homeownership counseling required
Grants available through Lender for down payment and closing cost assistance

USDA Single Family Housing Guaranteed Loan:

Minimum loan amount of $25,000 / Maximum loan amount of $275,000
No down payment required
Origination fee of $500
Maximum household income restrictions apply
Property eligibility requirements apply
Homeownership counseling required
Grants available through Lender for down payment and closing cost assistance

Secondary Market – Mortgage loans originated by our Bank and sold to an investor

FHA Loans

Minimum Loan Amount $45,000 / Maximum Loan Amount determined by County in which property is located
Fee – Based on rate selected, no “flat fees”
Minimum equity requirement = 3.5%

Conventional Mortgage Loans

Minimum Loan Amount $45,000 / Maximum Loan Amount determined by State in which property is located
Fee – Based on rate selected, no “flat fees”
Minimum equity requirement = 3%

VA Loans

Minimum Loan Amount $45,000 / Maximum Loan Amount is unlimited with full entitlement eligibility on loans over $144,000
Fee – Based on rate selected, no “flat fees”
Minimum equity requirement = 0%

USDA Loans

Minimum Loan Amount $45,000 / Maximum Loan Amount based on income and property eligibility
Fee – Based on rate selected, no “flat fees”
Minimum equity requirement = 0%

Other fees that may apply to all products include: attorney fees, title insurance fees, recording fees, and appraisal fees. A Loan Estimate of all charges will be provided to you on the product you choose or the one for which you qualify. Choosing a particular product does not guarantee approval of that product.

Guaranty Bank and Trust Co. offers all products to qualified applicants without regard for race, color, religion, sex, national origin, age, marital status, familial status, receipt of public assistance, or exercise of consumer rights.

To best determine which product is right for you, ask yourself the following questions:

How much do you need to borrow?

What length of time will you need to repay the loan?
Is it likely that this loan will be refinanced within the next five years?
Are you requesting a temporary or ‘bridge’ loan?
If this is a refinance, how much equity do you have in your home?
If this is a purchase, how much do you plan to pay down?
Do you have cash to pay closing costs, or will they need to be financed or paid through grant funds?

Your Guaranty Bank and Trust Co. representative will help you consider these questions in deciding for which product(s) you qualify, and which one meets your needs. However, if you qualify for multiple products, you should compare the total fees and amount of interest that you would pay over the life of the loan.

I/We acknowledge that I/We have been provided information on all mortgage products offered by the Bank. By clicking next I am selecting to move forward with this application and acknowledge receipt of the options presented on this form.