• Competitive rates for home purchase
• Available for primary residence, second homes, vacation homes, or investment properties
• Flexible terms customized to your unique situation
• A wide range of financing programs available:
  • Fixed rate mortgages
  • Adjustable rate mortgages (ARMs)
• Helpful loan advisors with working knowledge of the local real estate market
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

• Refinance your current mortgage to potentially lower your rate
• Save money with lower monthly payments
• Work with a dedicated loan officer to find the right refinancing solution for your needs

• Competitive rates for major life needs or events:
  • Education expenses
  • Weddings
  • Debt consolidation
  • And much more
• The existing equity in your home is used as collateral backing
• Accommodating repayment terms that work uniquely for you
• The interest paid might be tax deductible¹
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

¹Consult a tax advisor.

• Competitive rates for your home remodeling projects
• Add more value to your home through renovations and upgrades
• Accommodating repayment terms that work uniquely for you
• Step-by-step guidance through the loan process

• Competitive rates for your home construction project
• Available for primary residence or second home construction
• Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
• Pay off interest quicker; payments are interest-only during construction phase
• Payments are made on the amount drawn on your loan sufficient to pay your builder
• Construction draws applied in stages based on work completed

• Competitive rates for a wide variety of personal needs:
  • Vehicle repairs or updates
  • Family vacation
  • Education expenses
  • Personal projects or startups
  • Consumer goods
  • And much more
• Repayment terms customized to fit your unique needs
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

Secured Loans

• Use most anything as collateral
• Competitive interest rates
• Finance of new and used items
• Affordable payment terms suited to your needs

Unsecured Loans

• Can require little more than a signature
• Competitive interest rates
• Finance a wide array of items
• Affordable payment terms suited to your needs

• Competitive rates on new or used vehicles
• A wide range of terms customized to your unique situation
• Refinancing available to potentially lower the rate for your current vehicle
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

• Competitive rates for the purchase of commercial properties including:
  • Duplexes
  • Apartments
  • Commercial and retail buildings
  • And more
• Available for owner-occupied or investment properties
• Refinancing and construction loans also available
• Repayment terms customized to fit your business’s unique needs
• Lending professionals with working knowledge of Central Texas commercial real estate
• In-house decision-making and processing
• Professional, Central Texas service throughout the entire process

• Competitive rates for new or used equipment
• Customized terms designed around your business’s unique needs
• Meet needs without cutting into working capital or savings
• Stay ahead of the competition
• Avoid lapsed periods in production and outdated equipment
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

• Competitive rates for a wide range of long-term or seasonal business needs:
  • Seasonal fluctuations
  • Inventory
  • Capitalize on trade discounts
  • Working capital
  • Ongoing updates
  • And more
• Provides greater financial flexibility
• Repayment customized based on your business’s unique needs
• Funds available right as you need them; apply once then use again as needed thereafter
• Revolving credit – as principal is repaid, more becomes available for use
• Only pay interest on the part that’s used
• Funds are easily accessible via wire, transfer, or cashier’s check
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

• Competitive rates for a wide range of agribusiness-related needs:
  • Working capital
  • Equipment
  • Livestock
  • Inventory
  • Vehicles
  • Farm and ranch real estate
  • Irrigation systems
  • And more
• Repayment terms customized to fit your operation’s unique needs
• Lenders experienced in local agricultural standards
• In-house decision-making and processing
• Friendly, Central Texas service throughout the entire process

• Financing for non-profits and non-traditional businesses, including:
  • Churches
  • Municipalities
  • Agencies
  • And more
• Competitive rates for all kinds of operating expenses
• Customized terms designed around your organization’s needs
• In-house decision-making and processing
• Professional, Central Texas service throughout the entire process

• Competitive rates for a wide range of business expenses:
  • Working capital
  • Equipment
  • Machinery
  • Inventory
  • Receivables
  • Facility improvements
  • And more
• Repayment terms customized to fit your business’s unique needs
• In-house decision-making and processing
• Professional, Central Texas service throughout the entire process

• Financing for your start-up or small business to help you start and stay ahead
• Competitive rates for a wide range of business needs:
  • Construction
  • Working capital
  • Equipment/ inventory purchase
  • Business acquisition or expansion
  • And more
• Flexible repayment terms customized to your needs
• In-house decision-making and processing
• Professional, Central Texas service throughout the entire process