Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Federal Deposit Insurance Corporation - FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Buying a home is about more than interest rates. You need knowledgeable mortgage professionals who give you their best – consistently. Whether you’re a first-time home buyer or looking to refinance an existing loan, our professionally trained Mortgage staff is ready to help.
Local. Friendly. Competitive. Start the application process today!
| Loan Type | Features | Best For | Fixed Rate Available? | Adjustable Rate Available? |
|---|---|---|---|---|
| Conventional | Requires fair to better credit scores and lower debt-to-income ratios, but offers flexibility in terms, property types, and the ability to eliminate private mortgage insurance by reaching 20% equity. | Buyers who do not need relaxed qualifications, purchasing homes priced within conventional borrowing limits. | Yes | Yes |
| FHA | Finance with a lower down payment than traditional loans; mortgage is guaranteed by the Federal Housing Administration (FHA). You could receive closing cost assistance in the form of a grant or a forgivable loan with no monthly payments to put toward your closing costs. | First-time homebuyers or homebuyers who haven’t owned a home for several years and are looking for easier credit qualifications, low closing costs and lower down payment options. | Yes | No |
| VA | Receive up to 100% financing and pay no mortgage insurance; loan is guaranteed by the U.S. Department of Veterans Affairs (VA). This benefit can be used multiple times and is not limited by the first home purchased. | Active service members, veterans and eligible spouses. | Yes | No |
| New Construction | This program is the perfect solution to purchase land, build your dream house, and modify it into your final mortgage. We offer one set of closing costs instead of multiple sets that are typical with new construction financing. | Those who want to build their new home. | No | Yes |
| Land/Lot | If you are not ready to build anytime soon, we offer many options for "land only" loans to secure your land and build later. | Buyers who want to buy land now and build later. | No | Yes |
| Jumbo | Jumbo loan features include loan amounts that exceed Fannie Mae and Freddie Mac limits, requiring higher credit scores, larger down payments, and greater cash reserves than standard conforming loans. | Buyers who want to purchase high value homes such as primary residences, second homes, vacation homes, and investment properties. | Yes | Yes |
| Home Equity | A home equity loan is a type of mortgage that allows you to borrow a lump sum of cash, using the equity in your home as collateral. Because the loan is secured by your home, the interest rates are typically lower than those on personal loans or credit cards. | Those trying to manage large expenses with lower interest rates than other forms of debt. Common uses include home renovations, debt consolidation, education. | Yes | Yes |
| Refinance | Refinancing is a strategy used to replace an existing mortgage with a new one. Borrowers often refinance to change their original mortgage’s interest rate or loan terms. | Existing borrowers with financial goals such as securing a lower interest rate, reducing monthly payments, or consolidating high-interest debt. | Yes | Yes |
My finance career started in 2000 where I spent 13 years in the manufactured and modular home industry. I started with Ennis State Bank in February 2013 and have helped thousands of people achieve homeownership throughout my career. I believe communication is an important part of any major life event and pride myself in being accessible to my clients when they have questions or concerns. Contact me for your next mortgage need.
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My banking career started in 2017 when I began working at a small community bank in Fort Worth as a Credit Analyst after graduating from Sam Houston State University. Born and raised in Ennis, my goal was to make it back to my hometown working in the field I love, which was achieved when I began working at Ennis State Bank in 2018 as a Credit Analyst. I have been a Lender since 2019 and have enjoyed every minute of helping individuals secure financing in a personalized way. I pride myself on always being available to my customers whether its during the loan process or after the loan closes. Give me a call to discuss your lending needs.
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A visionary in community development and mortgage practices, Jordan Hughes is on a mission to revolutionize financial literacy and best practices for all. With a profound commitment to enhancing community infrastructure and fostering responsible mortgage practices, Jordan is dedicated to creating lasting positive impacts.
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My career in banking started in 2020 when I began working at Ennis State Bank as a Credit Analyst after graduating from Southern Methodist University. Over the years, I have helped hundreds of borrowers achieve their dreams of homeownership working as a processor, underwriter and now loan officer for the mortgage department and would love the opportunity to help you with your home financing needs. I pride myself on communicating efficiently and effectively and making myself available to customers for any questions or concerns they have as we work through their specific financing needs.
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Google Review
“Casey Sloan was impressive on handing my unique purchase. Morgan was knowledgeable, organized and helpful. I recommend them for any financial needs.”
Google Review
“We did a refinance on our home with Casey & the team at Ennis State Bank and it was very seamless and we will be saving a ton of money over the loan duration. We are also over an hour away from the bank but they made all the paperwork easy & our closing was less than 10 minutes from our house. We also did a loan with them and again so simple and easy! The service is awesome and they really care about their customers!! You will get personalized service no matter what transactions you make! Highly recommend you contacting Casey to help with any of you banking needs!”
Testimonial
“Ennis State Bank has provided excellent service to our family for over 30 years. The employees have impressed us over the years with their level of professionalism and attention to detail to my needs. I value my partnership with Alexis Cardino and the team when working with them on my investment loans. The process is always pain-free and with a personal feel; that is why ESB has always been my first call and will continue to be.”
