Real Estate Loans

Finding the right mortgage lender is as important as finding the right home. We’re here to help with the financial side of making your dream home a reality. We’re Community People You Know. Our competitive rates, flexible terms, expert friendly advice, plus the fact we keep all our loans in house provides our customers with a loan they can afford. We offer a variety of Loan Types for you to choose from and we also offer up to 95% financing (for qualified buyers). 

Loans We Offer

  • Home Purchase Loans are available and allow a borrower to purchase a home.  Home purchase loans consist of an adjustable or fixed interest rate, low closing costs and payment terms of up to 30 years with little down payment.  In some cases you may qualify for a loan with Private Mortgage Insurance which would only require a 3% down payment.  All loans are subject to credit approval.
  • Investment Property Loans are available with adjustable or fixed interest rates, and  subject to credit approval for qualified individuals.
  • Home Equity Loans are available with fixed or adjustable rates and terms up to 30 years. You’ve been paying down your balance and property values have gone up. Tap into that wealth with a Home Equity loan that’s right for you. A Home Equity loan is ideal for making your dreams come true.
    • Borrow up to 80% of the value of your home.
    • You can use the money for anything you want
    • Interest may even be tax deductible (consult your tax advisor)
  • Construction Loans are available to qualified individuals and contractors. We offer short term, fixed rate construction loans. Interest is due monthly and charged only on advanced funds.
  • Land Loans are available to qualified individuals.

Best Rate Offer

Dalhart Federal Savings offers competitive rates and flexible terms. We are an equal housing lender.

  • Fixed Rate Loans offer a fixed interest rate for the life of the loan. These loans have terms of fifteen years or less.
  • Adjustable Rate Loans have an interest rate that changes every 1 or 5 years depending on what you choose. Adjustable Rate Loans offer the lowest possible initial rate and monthly payment. The 5-year Adjustable is the rate used for our higher percentage financing. These loans are available up to 30 years.

Call any one of our friendly loan officers to schedule an appointment.

In Dalhart, contact Elias Hernandez or Cristie Childress at 806-249-8561.

In Dumas, contact Elias Hernandez or Laura Brunson at 806-935-7161.

Mortgage Loan Originators (MLO's)

Dalhart Federal Savings & Loan follows the standards for licensing and registration established the Safe and Fair Enforcement of Mortgage Licensing Act of 2008.  You may search or validate an MLO who originates residential mortgage loans and are registered with the Nationwide Mortgage Licensing System and Registry by visiting the website http://nmlsconsumeraccess.org/

Name Business Address MLO Unique Identifier Number
Elias Hernandez 502 Denrock Avenue, Dalhart, TX 79022 1807535
Cristie Lynn Childress 502 Denrock Avenue, Dalhart, TX 79022 718125
Lizandra Angeles 202 East 7th, Dumas, TX 79029 806806
Laura Elizabeth Brunson 202 East 7th, Dumas, TX 79029 729812

Dalhart Federal Savings & Loan's Institution Unique Identifier Number:  449354