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Home Mortgage Loans

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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.

NMLS Information

FNB ID #472617

Karen G. Caraway  #762668

Carl (PJ) Crane Jr. - Victoria  #2091225

Richard T. Cullen  #756846

Cathy A. Epley - Seadrift  #1189675

Mark W Hamilton #530730

Norma Maseda #1197567

Richard W. McKinney - Victoria  #741008

Dawn M. Ragusin - Port O'Connor  #1392944

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