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, desired 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

Angela “Ang” Schueneman
Vice President, Mortgage Lending
Phone: 214.351.8770
NMLS #489156

Ang joined the Inwood National Bank family 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 primarily 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 where she attended Stephen F. Austin State University and focused her studies in Business Finance. In her spare time she enjoys reading, painting, and most of all, spending time with her family and friends. She 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.

John Cowden
Vice President
Phone: 214-351-7230
NMLS # 477150

John began his banking career in 1990 and joined Inwood Bank as an officer and lender in 1996. John specialized in business banking and commercial and residential real estate lending. He has seasoned experience in residential construction lending and will couple that with permanent mortgage lending for purchases and refinancing in the Inwood Mortgage Group going forward. John has longtime working relationships with many of the custom homebuilders in the markets he serves primarily the Park Cities, Preston Hollow, Devonshire, Bluffview/Briarwood, Greenway Parks and Lakewood. One of John’s strengths that is appreciated by his customers and prospects is his market knowledge, and he has also worked for years with the area’s top-producing real estate agents and title companies.

John is a 3rd generation Dallasite and graduated from Highland Park High School in 1982 and then earned a BBA in Finance from the University of Texas at Austin. John and his wife, Shannon, have three children and attend Saint Michael and All Angels Episcopal Church.

Kathy Fincher
Vice President-Business Development/ Mortgage Lending
Phone: 214.351.8781
NMLS #408522

Kathy grew up in Garland Texas and started her banking career in 1978 in a small community bank. Mostly since 1995, she has focused on mortgage lending and interim construction loans mainly in the Rockwall area. Kathy currently lives in Rockwall and enjoys her time at her lake house in Granbury on weekends. She believes in excellent customer service and solid relationships, which proves the success of many years in the business. She prides herself on availability, responsiveness, professionalism, and understands that no client should be made to feel like a number.

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

Robert started his banking career with Inwood National Bank in 1990. After spending several years in the mortgage industry, Robert rejoined the bank in 2011 to launch a full service mortgage department. 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 his 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 with his wife and five kids. He enjoys working with families to accomplish their goal of home ownership.

Chazz Tipton Fritz
Business Development
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. She has been able to learn all aspects of the mortgage business, making her a great fit for the business development role. Her main function is to stimulate business from both internal and external sources. She is the main point of contact for all referral business, including branch employees.
Chazz is a graduate of Baylor University with a double major in Real Estate and Marketing. While in college she was an active member of her sorority, Chi Omega. Chazz, her husband Ryan and their two dogs live in Dallas. In her spare time you will find Chazz spending time with her family and friends and trying out new restaurants around town with her husband.

Pat Casey
Vice President/Mortgage Underwriter
Phone: 214.351.7327
NMLS #469255

Pat has 30 years of experience in the mortgage industry and is certified by FHA and VA as an underwriter and also has conventional underwriting authority. He welcomes the challenge of difficult loan scenarios and always looks for ways to approve loans. He enjoys keeping up to date with the ever changing rules and regulations surrounding the mortgage lending industry. Born and raised in Texas, he has a wife of 28 years and a son who is 25. He likes to spend time with family and friends and is active in his church.

Lindsay Harrel
Production Partner
Phone: 214-351-7225
NMLS #940191

Lindsay has been a part of the Inwood family since 2008 as a Personal Banker. She joined the mortgage department in 2012 as the Production Partner and quickly realized her passion for helping Inwood’s clients achieve their home buying dreams. Lindsay provides support to the Mortgage Loan Officers and their clients. She is from a small town in East Texas where she attended Stephen F Austin State University; and has been in Dallas for over 10 years. Lindsay brought her love of a small town to a business that has a small town feel.





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.


We refinanced a previous mortgage with Inwood last year. Working with Ang was such a delight then, we just knew we'd have a good experience this time as well. We did - she was great!

Robert & Danelle C.


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

Alfred and Kate C.


The personal touch and working directly with Ang and her team was truly outstanding!

Daniel M.


Friendly staff and great rates.

Paul and Courtney S.


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

Matthew and Karen Z.


My experience with I wood 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.