CONSUMER LENDING

 

For more than 120 years, First Texas Bank has served the needs of consumers and businesses in Central Texas.  We take pride in getting to know our customer and tailoring our loan products to best meet your needs.  Please visit with a lender at any of our bank locations to learn more.

 

CONSUMER LENDING

 

For more than 50 years, First Texas Bank has served the needs of the people and businesses of Central Texas.  We believe that getting to know our customers helps us deliver superior service, now and in the future.  We offer flexible terms and competitive rates to finance your projects.  Our Relationship Bankers work closely with you to understand your goals and come up with the best solution for you.

 

For consumers in need of guidance to buy or build a home, purchase a new or used automobile, or arrange a personal loan, our friendly staff will work hard to meet your loan needs.

CONSUMER LENDING

 

For more than 135 years, First Texas Bank has served the needs of consumers and businesses in the Central Texas marketplace.  We believe that getting to know our customers helps us deliver superior service to you.  We offer flexible terms and competitive rates to finance your projects, delivered by experienced bankers that consult with you to understand your goals.

 

For consumers in need of guidance to buy or build a home, purchase a new automobile, or arrange a personal loan, our friendly staff will work hard to meet your consumer loan needs.

Real Estate:

Whether you are a first-time buyer or building your dream home, our flexible programs and knowledgeable lenders can help you meet your financial goals.  Our loan products offer the flexibility to craft a solution to meet your individual needs.  First Texas offers excellent rates and terms to purchase, refinance, construct, or use the equity in your property.

 

Real Estate Loans

We offer flexible financing for non-traditional and traditional income sources.

  • Jumbo loans
  • Purchase, refinance, or new construction
  • Term up to 30 years
  • Need a fixed rate?  Please see our Mortgage Center page
  • Low fees

Personal Loans:

When you need a financial partner, we offer a variety of terms to fit your needs with competitive rates.

  • Vehicles
  • RVs and Boats
  • Personal Loans
  • Vacation Loans
  • Small Dollar Loans – less than $2,500
  • Personal Lines of Credit

 

Personal Loans:

For those times when you need a financial partner to meet your individual needs, we offer quick decisions and flexible terms for:

  • Vehicles
  • RV’s and Boats
  • Personal Loans
  • Vacation Loans

Personal Loans:

For those times when you need a financial partner to meet your individual needs, we offer quick decisions and flexible terms for:

  • Vehicles
  • RVs and Boats
  • Personal Loans
  • Vacation Loans
  • Ready Credit – Personal Credit Line

Real Estate:      

Whether you are a first-time buyer or building your dream home, our flexible programs and knowledgeable lenders can help you meet your financial goals.  Our portfolio loan products offer the flexibility to craft a solution to meet your individual needs at competitive rates and terms.  First Texas offers excellent rates and terms to purchase, refinance, construct, or use the equity in your property.

Real Estate:

Whether you are a first-time buyer or building your dream home, our flexible programs and knowledgeable lenders can help you meet your financial goals.  Our portfolio loan products offer the flexibility to craft a solution to meet your individual needs at competitive rates and terms.  First Texas Bank offers excellent rates and terms to purchase, refinance, construct or use the equity in your property.

New Construction:

Building your dream home can seem like a daunting process.  First Texas specializes in construction financing and our lenders work hard to take the mystery out of the process.  We work closely with your builder to keep the project funded and moving smoothly.  Our goal is to help you get into your home on-time and on-budget.  When you are ready to construct your custom home, let the experienced lenders at First Texas turn your dreams into reality.

  • New residential construction up to 90% loan to value
  • Typically, 12-month term with fixed rate during interim
  • Interest-only payments during construction
  • Low fees

Portfolio Real Estate Loans:

We offer flexible in-house financing options.

  • Jumbo
  • Purchase, Refinance, or New Construction
  • Low Fees
  • Quick, local decisions

 

New Construction:

Building your dream home can seem like a daunting process.  First Texas Bank specializes in construction financing and our lenders work hard to guide you every step of the way. We work closely with your builder to keep the project funded and running smoothly.  When you are ready to construct your custom home, let the experienced lenders at First Texas Bank turn your dreams into reality.

  • New Residential Construction
  • Typically, 12-month term with fixed rate during interim
  • Interest-only payments during construction
  • Low fees

 

Land:

When you find the perfect lot or acreage, a loan from First Texas Bank can help secure the property for immediate use or future development.

  • Residential Lots
  • Rural Multi-acre Properties
  • Purchase or Refinance
  • Terms up to 20 years

 

Home Improvement:

Home improvement loans are an easy way to get those remodel projects accomplished.  Whether you are adding a room, upgrading a kitchen, installing a pool, or a full make-over, First Texas Bank has a loan to fit your needs.

Land:

When you find the perfect lot or acreage, a loan from First Texas Bank can help secure the property for immediate use or future development.

  • Residential lots
  • Rural multi-acre properties
  • Purchase or refinance
  • Term up to 20 years
  • For agriculture, personal use or development

Bridge Loan:

A Bridge Loan allows you to close on your new home while your current home is on the market.   It is a convenient solution when you need short-term funding for the gap between purchase and sale.  It can also be a smart option when downsizing or transitioning into retirement.

  • Fast approvals
  • Short term
  • Interest-only

New Construction:

Building your dream home can seem like a daunting process.  First Texas Bank specializes in construction financing and our lenders work hard to take the mystery out of the process.  We work closely with your builder and architect to keep the project funded and moving smoothly.  Our goal is to help you get your home built on-time and on-budget.  When you are ready to construct your custom home, let the experienced lenders at First Texas Bank turn your dreams into reality.

  • New residential construction up to 95% loan to value with suitable take-out financing
  • Typically, 12-month term with fixed rate during interim construction
  • Interest-only payments during construction
  • Low fees

Home Improvement:

Home improvement loans are an easy way to get those remodel projects accomplished.  Whether you are adding a room, upgrading a kitchen, installing a pool, or a full make-over, First Texas has a loan to fit your needs.

Contact a Lender today to discuss a flexible home improvement loan.

Land:

When you find the perfect lot or acreage, a loan from First Texas can help secure the property for immediate use or future development.

  • Residential lots
  • Rural multi-acre properties
  • Purchase or Refinance
  • Term up to 20 years
  • For agricultural, personal use, or recreation

Contact one of our experienced loan officers at our main location at 501 E Third Street in Lampasas.

 

Kelvin Barkowsky

 

Kelvin Barkowsky – First Texas Bank, President and CEO

NMLS# 613906

kbarkowsky@firsttexasbank.com

(512) 556-3691

 

Lee Loeffler

 

Lee Loeffler – Senior Vice President/Lending

NMLS# 808843

lloeffler@firsttexasbank.com

(512) 556-3691

 

Ladonna Bishop

 

Ladonna Bishop – Banking Officer/Lending

NMLS# 1385473

lbishop@firsttexasbank.com

(512) 556-3691