100% SATISFACTION GUARANTEED

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Protect yourself against interest rate uncertainty.

Interest rates got you down?Don’t let a changing interest rateenvironment keep you from getting the best rate. Whether you’re building or shopping for a home, PlainsCapital Mortgage can help you get the lowest rate possible. With our Lock-and-Float option, you can lock in your rate today and float down to a lower rate if market conditions improve.

Lock-and-Float Option

How it worksOnce you are approved or pre-approved for a loan, select a 60-, 90-, 180-, or 360-day Lock-and-Float option. You lock in at today’s rate, and if rates improve, you can exercise a one-time option to float down to a lower rate up to 20 days before closing. Lock-and-Float works with most conventional-conforming and government fixed-rate loans.

Make improvements to your existing home

Oh, the things you can do...

Fresh paint. New carpet. Kitchen updates. A pool and spa. Just imag-ine all the renovations you could make to your home. With a Refinance-Plus-Improvements loan from PlainsCapital Mortgage, it’s possible to make your existing home your dream home. We’ll combine your refinanced mortgage and home improvement financing into one loan. That means one application, one set of fees, one closing. And one perfect home.

How it works

You can start making improvements to your home right after funding. As your contractor completes your renovations, he will be paid from an escrow account held by PlainsCapital Mortgage. It’s that simple.

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Refinance-Plus-Improvements

Make improvements to your new home

Oh, the things you can do...

Fresh paint. New carpet. Kitchen updates. A pool and spa. Just imag-ine all the renovations you could make to your new home. With a Purchase-Plus-Improvements loan from PlainsCapital Mortgage, it’s possible to make your dream home a reality. We’ll combine your mortgage and home improvement financing into one loan. That means one appli-cation, one set of fees, one closing. And one perfect home.

How it works

You can start making improvements to your home right after funding. As your contractor completes your renovations, he will be paid from an escrow account held by PlainsCapital Mortgage. It’s that simple.

Purchase-Plus-Improvements

100% SATISFACTION GUARANTEED

Want to know more?