Mortgage

Mortgages at BOC

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Whether you're buying, building, refinancing, investing, or improving your home, we're
here to help. Our online lending process will help you find financing that is quick and easy.


Existing mortgage customers, please login below to access your mortgage.

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Meet Kris Anderson

Image of Kris Anderson, Vice President of Real Estate

"I am committed to providing you with the highest quality service combined with the lowest rates available. You will receive one-on-one service to ensure that you get a mortgage loan that is tailored specifically to your needs. My team and I are dedicated to making your home purchase an easy and seamless experience. I promise to place your interests first, with a goal of creating a lasting relationship. Call me today to get started or to simply get answers to your home mortgage questions. I look forward to working with you!"

Vice President of Real Estate
Direct: 806-322-1413
Email: kris@bocbanking.com
NMLS.1201276

Types of Financing

Conventional Loans

  • As low as 3% down
  • Primary residence, 2nd homes and investments
  • Down to 620 credit score
  • Seller can pay up to 3% towards closing cost

FHA Loans

  • Easier credit qualifying
  • Low 3.5% down payment
  • Great for first time homebuyers
  • Down to 580 credit score
  • Seller can pay up to 6% towards closing cost

Jumbo Loans

  • As low as 10% down
  • No MI options
  • Fixed and adjustable rates
  • Down to 700 credit score

VA Loans

  • Zero down payment
  • Seller can pay up to 4% towards closing cost
  • Down to 600 credit score

USDA Loans

  • Zero down payment
  • Seller can pay up to 6% towards closing cost
  • Primary residence only
  • Income and location restrictions apply
  • Down to 600 credit score

Cash-Out Refinance Loans

  • Up to 80% LTV throughout Texas
  • Down to 620 credit score

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