Home Mortgage Loans

Click here for real estate loan application.

Home Mortgage Program

  • Fast & simple approval of your loan

  • Down Payment as Low as 10%

  • No "points" on adjustable rate mortgage

  • No "application fee"

  • No "credit report fee"

Types of Loans Available

  • All adjustable rate loans are based on the 3 Year U.S. Treasury Note Index.
  • The Treasury Note Index is not under the bank's control.
  • Adjustable Rate Mortgage with a fixed interest rate period from 5 years up to 15 years – then adjusted annually with a 2% increase cap and a maximum lifetime rate increase of 5% over the beginning rate.

10 to 30 Year Terms

  • LOT OR ACREAGE LOANS ALSO AVAILABLE

NOTICE: THIS INFORMATION WAS NOT COMPLIED IN ACCORDANCE WITH GOVERNMENT REGULATIONS. PLEASE SEE ONE OF OUR LOAN OFFICERS FOR FULL DETAILS.

Please contact one of our officers for loan application and loan disclsoures.

NMLS Information

FNB ID #472617

Karen G. Caraway  #762668

Richard T. Cullen  #756846

Cathy A. Epley - Seadrift  #1189675

Richard W. McKinney - Victoria  #741008

Bobby L. Meeks - #1747142

Dawn M. Ragusin - Port O'Connor  #1392944

John F. Stevenson - Victoria  #1088590

Laura A. Willoughby  #1173498