Buy, build, refinance or improve the home of your dreams.

A mortgage that's right for you!


Applying for a home mortgage is easy!




Printable Forms

The forms below are basic forms that may be used in the mortgage application process. To learn more about each individual form, please contact us.


There are a lot of documents involved in the mortgage process. To ensure a smooth process, gather these documents ahead of time and respond to requests for additional information as quickly as possible. Depending on your personal financial situation and desired loan, additional documentation may be needed.

Needed for Application

  • Valid Driver’s License
  • Federal Income Tax Returns (previous two years)
  • W-2 Forms (previous two years)
  • Proof of Additional Income
  • Bank Statements (all accounts previous two months)
  • Investment Account Statements (previous two months)
  • Credit Report (Mortgage Loan Officer will obtain)

Note: The above is intended to be a General List of items needed, but your loan circumstances may require additional information or varied amount and types of documentation.


Q: How do I know how much house I can afford?
A: Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford.

Q: What is the difference between a fixed-rate loan and an adjustable-rate loan?
A: With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us.

Q: How are an index and margin used in an ARM?
A: An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR).

Q: How do I know which type of mortgage is best for me?
A: There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Inwood National Bank and our team of Mortgage Professionals can help you evaluate your choices and help you make the most appropriate decision.

Q: What does my mortgage payment include?
A: For most homeowners, the monthly mortgage payments include three separate parts: Principal: Repayment on the amount borrowed Interest: Payment to the lender for the amount borrowed Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company.

Q: How much cash will I need to purchase a home?
A: The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply: Earnest Money: The deposit that is supplied when you make an offer on the house Down Payment: A percentage of the cost of the home that is due at settlement Closing Costs: Costs associated with processing paperwork to purchase or refinance a house (In some cases, the seller may pay your closing costs for you through a Seller Contribution. Our Mortgage Professionals can explain this in more detail.)

Lending Team

Kim Smithhart
Senior Vice President
Phone: 214-351-8779
NMLS #1175538

Kim has been in the mortgage industry since 1983. She started her career at CTX Mortgage where she enjoyed working in a number of positions over 20 years, including processing, originating, regional operations manager, branch manager, and business development. As Senior Vice President at Inwood National Bank, Kim oversees the mortgage area of the bank. She loves the team spirit, “can-do” and customer’s first attitude of the entire mortgage department.

Kim lives in Garland with her husband, Ken. They have two grown daughters and a pug named Winston. When not at the office, Kim enjoys spending time with her family and friends.

Angela “Ang” Schueneman
Vice President, Mortgage Lending
Phone: 214-351-8770
NMLS #489156

Ang joined Inwood in February 2002. During her years in banking, she has garnered experience in many aspects of the industry including customer relations, operations, management, training, and mortgage lending.

Her current primary focus is providing excellent and prompt service while specializing in residential property purchases and refinancing. Ang takes great pride in her ability to provide honest and thorough information during the mortgage process while striving to make the experience as simple as possible for consumers.

She was born and raised in East Texas and in her spare time she enjoys reading, painting, and spending time with her family and friends. Ang is dedicated to her work and even more importantly to her customers. Her knowledge, attention to detail and diligence is a main element to the overall customer friendly experience you will have with Inwood National Bank’s mortgage team.

Chazz Tipton Fritz
Mortgage Loan Originator
Phone: 214-351-8778
NMLS # 208576

Chazz grew up in a family involved in the banking industry. From a young age, she has been exposed to the many elements required to make a good loan.

Chazz began her mortgage career in 2007 with Cornerstone Mortgage Company. Her current primary focus is the origination of residential property purchases and refinancing; she is dedicated to providing the most exceptional customer service available in the industry.

Chazz is a graduate of Baylor University with a double major in Real Estate and Marketing. “I enjoy every loan I do! Each one brings the opportunity of building a new relationship or furthering an existing one while allowing me to do what I love! I get satisfaction from working hard and giving each customer the attention and detail they deserve.”

Robert Poe
Senior Vice President
Phone: 214-351-7911
NMLS # 76184

Robert started his banking career with Inwood in 1990. After spending several years in the mortgage industry, Robert rejoined the bank in 2011. His experience working at other companies has helped him build Inwood’s mortgage group utilizing industry best practices including an in-house appraisal desk and in-house underwriting.

Robert has developed a reputation as a deal maker by relying on this ability to originate make sense loans for the bank’s portfolio. His background as a commercial lender allows him to also originate construction loans, purchase plus improvement, refinance plus improvement, and bridge loans.

Robert lives in Mansfield and enjoys hanging out at the lake with his wife and five kids.





I worked with Ang on a closing a couple of years ago and was impressed with the service and how things were handled in a timely matter. Also Ang was very professional while being courteous, friendly and personal at the same time. The staff at Inwood Bank are GREAT!

Scott and Donna B.


Friendly staff and great rates.

Paul and Courtney S.


My mother has banked with Inwood for 40 years. Carole was very prompt and our questions were always answered. All things were done in a timely fashion and they had great rates.

Katy and Clint J.


My experience with Inwood was awesome! I was a first time home buyer and everything with them went extremely smooth. They made themselves very available for any questions I had and were quick to respond to emails. Definitely put me at ease through my entire process with them.

Diana R.


I was referred to Inwood Bank (and Mr. Poe) as a lender by my Realtor. I appreciate the excellent service provided by Mr. Poe and his team. Every question I had was answered with speed and courtesy and my loan closed sooner than originally expected, with no wrinkles or administrative issues. I plan to open a regular banking relationship with this bank because I was so highly impressed with the ease of my transaction.

Harlene M.


We had a positive previous experience with Ang and her team, plus they offered a competitive loan rate and low closing costs.

Alfred and Kate C.


I was impressed with Carole’s level of service and willingness to help and answer all my questions. I am very happy with everyone that assisted in the entire process; everyone was so helpful, kind and very professional. In addition, I was very satisfied with the interest rate I was offered.

Karla H.


It was very easy to get answers in a timely manner. The speed in which everything was done was amazing.

Matthew and Karen Z.