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TEXAR Federal Credit Union
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Mortgage Loans

Mortgage Rates Have Fallen!

With the lowest rates we have seen in a while, now is a GREAT time to purchase a new home!  At TEXAR, we make the buying process a breeze with local people and local servicing.  For a limited time, we are offering an In-House 10 year fixed rate of 2.89% with no appraisal required and limited closing costs.
Call one of our Mortgage Loan Originators to get pre-qualified today at 903.223.0000 ext.1097!
*Exclusions apply
  • Term not to exceed 120 months
  • Qualified loans range between $100,000 - $400,000
    • Must be considered new money to qualify
  • Must have a credit score of 680 or above
  • Includes first liens only, no second liens
  • Excludes rental properties, investments and manufactured homes
  • Financing options subject to change
  • Ex. A 10 year fixed loan of %150,000 at 2.89%APR*, approximate payment would be $1440.81 per month
    • Interest rate is not indicative of the actual APR*
    • APR= Annual Percentage Rate

Home Ownership Begins Here

Our goal is to provide our members the opportunity to purchase or refinance a home.  The TEXAR Mortgage Department is devoted to helping our members meet their mortgage needs from start to finish. 

What We Offer:

  • Low down payments on home purchases & loans
  • Fixed interest rates up to 30 years
  • FHA, VA, & USDA loans
  • Land financing
  • Local servicing on your loan
  • Manufactured Homes with or without land
  • Home Equity Loans
  • Investment property financing

Meet Our Real Estate Loan Officers:

 Welcome to our new TEXAR team member...

Lorie Owen, NMLS #416010Lorie Owen

Lorie has a total of 23 years in the financial industry. She has been in Mortgage lending locally for the past 17 years. Whether you are purchasing your dream home or refinancing a current home loan, Lorie is dedicated to working hard for our members so they can have the best experience possible.




Darlene Powell, NMLS # 1068286darlene mug shot

Darlene is originally from Cass County and moved to Texarkana in 2013.  She has been assisting TEXAR members obtain home financing since 1994.  Darlene is ready to use her experience and make your home ownership dreams a reality.


Welcome to our new TEXAR team member...

Kristi Shackelford, NMLS #990217

Kristi has over 15 combined years in the Mortgage Industry with our local Credit Unions and Title Companies.  She enjoys working with members to find the product that is just right for them.  Whether purchasing or refinancing, Kristi is here to help!



Get Prequalified

Obtain your mortgage pre-qualification with TEXAR today! Call 903-223-0000 or apply online.

S.A.F.E. Act Disclosure

Under the Secure and Fair Enforcement Act (S.A.F.E. Act), TEXAR is required to register each of our Mortgage Loan Originators (MLOs) with the Nationwide Mortgage Licensing System and Registry (Registry). We are then required to make the National Mortgage Licensing System Identification Number (NMLS ID#) for each of our MLOs available to members, applicants, and consumers upon request. Below are the name and NMLS ID# of each of our MLOs:
NMLS Numbers
Darlene Powell  1068286
Lorie Owen 416010
Kristi Shackelford 990217
Kayla Jones 1653220
Cindy Forbes 136724
Kaylee Price 1893838
Vicki McDowell 1518925
David Crenshaw 715352
Brooke Johnson 1702509
Tim Wright 1956980
Laura Homan 1681569
Randelle Snyder 415790
Connie Lee 416042
Kelly Mitchell 416037
Note: Consumers can confirm that TEXAR (NMLS ID# 415390) and TEXAR’s employee MLOs are registered at the following address:
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TEXAR Mobile Deposit

Depositing a check into your checking or savings account is easy with TEXAR's mobile banking app.


woman taking a picture of a check

TEXAR Mobile Deposit

Depositing a check into your checking or savings account is easy with TEXAR's mobile banking app.