At Texas Security Bank, we elevate your home-buying experience by providing an exceptional level of service from our mortgage professionals. We think outside of the box and offer solutions that will make your home-buying experience seamless and easy. We are committed to helping you make your mortgage dreams a reality.

Mortgage Team

Libby Smith

Executive Vice President, Managing Director of Mortgage Lending

Libby has 39 years of experience in the mortgage industry and joined Texas Security Bank in 2008. She has managed her own mortgage brokerage and has experience in secondary marketing. Libby currently heads the TSB mortgage team, which provides quality lending services and exceptional customer care.

NMLS #: 417303

Office: (469)-398-4809

Mobile: (214) 236-4975 

Libby.Smith@TexasSecurityBank.com

Megan Meche Henry

Senior Vice President, Associate Director, Mortgage Loan Originator

Megan has over 13 years’ in banking and has been with Texas Security Bank since 2013. She won the Emerging Leader Award through TBA in 2023. She is an industry leader in helping customers acquire their dream homes, or purchase homes for investment purposes. She is also proficient in construction lending.

NMLS #: 1081290

Office: (469) 398-4814

Mobile: (214) 704-8217

Megan.Henry@TexasSecurityBank.com

Denise Caramanna

Vice President

Denise Caramanna has been with Texas Security Bank since 2017, with over 5 years’ experience in mortgage lending. She is a proficient underwriter and loan originator, and strives to provide clients the best available mortgage options, while maintaining a level of service that is unmatched.

NMLS #1880539

Office: (469) 398-4841

Mobile: (281) 622-7132

Denise.Caramanna@TexasSecurityBank.com

Emily Sanders

Assistant Vice President, Mortgage Loan Originator

Emily has more than 15 years of banking experience, and over 5 years’ experience in Mortgage Lending. Emily has a passion for working closely with clients to help make their home buying dreams come true. Ensuring clients feel comfortable, knowledgeable, and confident from start to finish is truly her top priority.

NMLS #: 1880538

Office: (469) 398-4853

Mobile: (214) 244-3851 

Emily.Sanders@TexasSecurityBank.com

What Makes Us Unique?

 

Competitive pricing and programs
We are trained underwriters, so you can rely on us when we say your loan will be approved
Streamlined processes that allow for quick loan closing
Proficient working with self-employed borrowers

MORTGAGE PROGRAMS

MORTGAGE PROGRAMS

NMLS #404906
  • Conventional Conforming
  • FHA
  • VA
  • Jumbo
  • One-Time Close Construction Loans (includes permanent rate and financing)
  • Construction Loans
  • Down Payment Assistance Programs for First Time Homebuyers
  • 1% Down Payment with 2% Lender Gift (Competitive Rate and Mortgage Insurance pricing)
  • 3% Down Payment with 2% Lender Gift (Competitive Rate and Mortgage Insurance pricing)
  • Low down payment for first time home buyers with possible $5,250 lender credit and no income restrictions

Client Testimonials 

"Texas Security Bank has been a joy to work with. In comparison to other banks, I have worked with, they are incredibly responsive, respectful, and professional. They made securing a loan an easy process and were continually patient with me as I had questions. I would recommend them to anyone seeking assistance with their financial needs."
Tim Ennis
"I have purchased three homes, and for each mortgage I have happily utilized the services of Texas Security Bank. Their services are seemingly flawless and have left me without worry or concern with every occasion. Their professionalism, open communication, and attention to detail have made it rather effortless in securing a new home, even as a first-time buyer. The entire staff is friendly and a pleasure to work with. I would highly recommend them to anyone."
Mike Bridgeman
"Denise and Libby are the best! 10 years in RE and over $800m sold, so I can say with absolute confidence that nobody beats their service and knowledge."
Harrison Polsky
"We loved working with TSB for our home Joan last year. They really understand that small business owners need a different level of attention and service sometimes. Their team was super creative for us to make it work best for OUR needs. For example, instead of scores of pages to fill out, we were asked to upload documentation, and that saved us hours of work. I'm recommending them frequently!"
Lisa Harrington
"Our family and the friends we have referred have benefited enormously from the assistance, guidance and support provided by the TSB mortgage lending team over the past 10+ years. Libby Smith and Megan Henry have always been responsive, resourceful, professional, and practical with their advice and the work they have completed on our behalf in securing mortgage loans for personal residences and investment properties. They inspire trust and confidence and always meet their commitments. They have far exceeded our expectations on every occasion and in every transaction. They are always the first call we make when engaging in a real estate transaction requiring financing."
David J. Ferre
"I have used Texas Security Bank (TSB) as my ‘lender of choice’ for my Residential Investment Business for the past 15 years. The TSB Team has assisted me in the procurement of 12 homes and has always provided exceptional service. They have been attentive to my specific requests, so I have been able to meet closing requirements quickly and with very favorable loan rates. The TSB Team communicates well, and I consider them to be an essential part of my continued success. TSB will provide prompt, professional lending services that will exceed your expectations! "
James M. Walley, Jr.
"The TSB mortgage team has done two mortgages for me and makes the process simple. Their attention to detail, communication, and speed makes the process seamless. Highly recommend TSB for any home purchase."
Levi Jobe
"_My business partner and I recently worked with Emily Sanders for financing on an investment property. The process was very smooth, and we were informed every part of the way. Emily and her team communicated on a high level and continued to “wow” us thru the process. We will use Emily again in the future for our investment purchases!"
Greg Reichel, Okie Soo LLC
"We couldn't have had a better experience for our 1st construction loan. We had several obstacles with getting approved as self-employed, etc. However, Denise was so helpful educating us on the process. The customer service we received from the beginning of the load to the end was outstanding!!!"
Lezlee Kinney
"Emily and her team helped my wife and I buy our first home, and I cannot recommend Texas Security Bank enough because of how great they made this experience. Her and her team have been genuine and honest every step of the way, answered our many questions quickly and thoroughly, and have continued to be of great service even after we closed. I have told all my friends and family who are looking to buy a home to use Texas Security Bank. We hope to use TSB for the future for any of our mortgage needs!"
Arren Wells
"Denise and the TSB team did an incredible job with my home construction loan and mortgage. They were easy to work with and guided me through the process effectively and efficiently. I was able to get all of my questions answered quickly and to close on time. I particularly appreciated that Denise would always pick up the phone when I called. She helped me get all of my documents together and it was a straightforward and painless process. I would happily work with TSB again and certainly would recommend the bank to anyone looking for a mortgage or construction loan."
Shan Zaidi
"I have had the privilege of working with Texas Security Bank for the past 8 years, and I can confidently say that they are a standout in the lending industry. From personal loans to business financing, they have consistently delivered exceptional service, unbeatable rates, and flexible closing terms. Texas Security Bank has truly become my go-to choice for all my financial needs."
Asher Oren

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