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Mortgages

Unlock Your Dream Home: Seamless Mortgage Solutions Tailored Just for You

Your Mortgage, Your Future, Your Legacy.

At Guaranty Bank & Trust, we understand that a home is more than just a place — it's a reflection of your success and a cornerstone of your legacy. Our Relationship Mortgage Program is tailored to meet the needs of individuals who seek the perfect balance of flexibility and long-term security. Let us help you build the future you've worked for.

Rate: 6.35% APR1

Find your nearest location to speak with a Guaranty expert near you!

Your Home, Your Legacy.

How we work.

We have built a strong reputation as an outstanding bank, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.

We're a full service bank with an experienced staff offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms and costs-to meet your unique needs. But that's just the beginning of our service. Throughout the lending process, we provide regular loan updates and progress reports, so you always know the status of your loan.

Types of Mortgages

  • Conventional Conforming or Jumbo Loans
  • FHA/ VA/ USDA
  • Fixed and Adjustable Rate Mortgages
  • Home Equity
  • Debt consolidation
  • Repairs and renovations
  • Refinance your rate

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CommunityFirst Mortgage and Development Program

CommunityFirst Mortgage

Empowering communities for homeownership, our innovative program fosters inclusivity, helping individuals and families achieve their dreams for a stronger neighborhood.

Loan in Progress?

Access updates or to complete your in-progress loan application. Streamline your journey with our convenient login feature.

Find a Mortgage Banker Near You

Find a local mortgage banker for personalized guidance on your home loan. Your dream home is a step away with us.

Our Team

All mortgage loans are subject to credit approval.

1This is not a Good Faith Estimate or a Loan Estimate as defined by Federal law. This is not an offer of credit or a commitment to lend. Loans are subject to approval. Product advertised is an ARM (adjustable rate mortgage) and is available for consumers, primary single family residences only, purchase or refinance. Escrow of taxes and insurance is required. Requires the borrower(s) to have a Guaranty Bank & Trust checking account. The APR stated is for example purposes only based on rates, terms, and fees available as of February 6, 2025, and is for borrowers with a minimum credit score of 675. Receive the stated discounted APR on your ARM when you set up auto-debit payments. Rate is subject to change without notice; your actual rate/fees/terms/costs could be higher. Rate may increase or decrease after closing. Final loan amount cannot exceed 65% of the lesser of loan-to-value (LTV) or loan-to-cost (LTC), and loan to value cannot exceed 65%. Maximum loan amount is $2,500,000.