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Ignite Home Loan

Light a New Path to Affordable Homeownership.* Start an Application

Ignite Home Loan

Light a New Path to Affordable Homeownership.* Start an Application

Low-^ or No-Down Payment^^

Reduced Interest Rate

$7,500 Grant Option**

No UFMIP

Flexible Credit Qualifications

Ignite Your Homebuying Opportunities

Ignite Home Ownership, only from American National Bank of Texas, makes owning your own home easier and more affordable. We created it with community in mind, but we designed it to be a unique as you. Whether you are a first-time or repeat homebuyer, need a low or no down payment, have good or not so good credit, there is an Ignite home loan to fit your personal requirements. Plus, you get the support of a trusted local community bank who’s been serving North Texas for nearly 150 years.

You'll start with a foundation of Ignite 97 or Ignite 100. Then, your experienced ANBTX mortgage expert will work with you to make program specific selections—such as a forgivable grant up to $7,500 to use toward closing costs or a further reduced interest rate—that best meet your needs.


^$320,000 borrowed and 360 monthly payments of $2,129.00 at 7.000% interest rate (7.303% annual percentage rate). The estimated payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

^^$330,000 borrowed and 360 monthly payments of $2,195.50 at 7.000% interest rate (7.299% annual percentage rate). The estimated payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Ignite 97*

  • Loan amounts up to $575,000
  • Low down payment (can be gifted)^
  • Reduced interest rate
  • Up to $7,500 from ANBTX to help with closing costs—or an even lower rate**
  • No upfront mortgage insurance premium (UFMIP)
  • No private mortgage insurance (PMI)
  • Alternative credit qualifications
  • No income cap
  • Online homebuyer education tools and support
  • Local lending team serving your community

^$320,000 borrowed and 360 monthly payments of $2,129.00 at 7.000% interest rate (7.303% annual percentage rate). The estimated payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.

Start an Application



Ignite Large CTA 1



Ignite Large CTA 2

Ignite 100*

  • Loan amounts up to $806,500
  • No down payment^^
  • Reduced interest rate
  • Up to $7,500 from ANBTX to help with closing costs—or an even lower rate**
  • No upfront mortgage insurance premium (UFMIP)
  • Alternative credit qualifications
  • No income cap
  • Online homebuyer education tools and support
  • Local lending team serving your community

^^$330,000 borrowed and 360 monthly payments of $2,195.50 at 7.000% interest rate (7.299% annual percentage rate). The estimated payment does not include amounts for taxes and insurance premiums and the actual payment obligation will be greater.


Start an Application

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