I did not end up using Texas Trust Home Loans. Their rates and low closing costs were attractive, but if you are aiming to lower your closing costs and go with a higher interest rate, be warned that they only give at most a $500 credit.
So the rates and information on their site are not correct.
Tanner said this was the fault of the website developers and was being worked on.
Tanner was very friendly and helpful, but they also require a rate lock to be signed.
The rate lock ties you to a 1% penalty fee if you decide not to use them and end up buying the property through another lender.
The lock also limits their liability to $995. So if you don’t close in time and it’s their fault, then you can only get $995 even if you spent more than that.
I decided against using them for those 2 reasons.