Top 3 Mortgage Lenders in Texarkana

Texarkana Mortgage Company stands out as the premier local mortgage lender with deep roots in the community. With over two decades of experience, they've built an exceptional reputation for personalized service and competitive rates. Their team specializes in all major loan programs including specialized VA loans important for the local military community near Red River Army Depot. They consistently receive praise for their transparent process, local underwriting decisions, and commitment to helping borrowers navigate complex mortgage scenarios with ease.

Guaranty Bank & Trust has been serving the Texarkana community since 2000 with a strong focus on residential mortgage lending. As a locally-owned community bank, they offer the advantage of local decision-making combined with competitive national rates. Their mortgage team excels at construction loans and first-time homebuyer programs, with particular expertise in rural development loans that benefit the surrounding areas. Customers consistently praise their responsive service and the bank's commitment to keeping mortgage processing local rather than outsourcing to distant call centers.

Spirit of Texas Bank brings robust mortgage lending capabilities to the Texarkana market with a focus on relationship banking. While founded in 2008, their mortgage team brings decades of collective experience to the table. They're particularly strong in construction lending and lot loans, making them an excellent choice for custom home builds in the growing Texarkana area. Their local underwriting authority allows for quicker decisions, and customers frequently mention their knowledgeable staff and streamlined closing process in positive reviews.