Home Loans
No matter where you are on your home ownership journey, we're committed to supporting your unique plans with personalized guidance, local expertise, and tailored financing. When you are ready to discuss your options or apply, please call 409-988-1300 and ask to speak to a real estate loan officer.
Home Mortgage
Purchasing a new home is a big decision and financing that home involves a lot of detail. We have expert mortgage loan officers to help you sort through the paperwork and understand the fine print.
- Fixed rates
- Terms up to 30 years
- Low down payment requirements
- Loans for purchase of primary residences
Home Equity
Tap into the equity you have established in your home to gain access to extra cash. Home equity loans can be used for bill consolidation, college tuition, home improvements, and much more.
- Borrow up to 80% of your home’s market value (less any outstanding liens)
- Borrowed funds are secured by the homestead
Home Improvement Loans
Whether you need to complete a major repair or tackle a much-needed renovation, we can help you afford a variety of home improvement projects.
Real Estate Loans
| APR (as low as) | |
|---|---|
| Home Improvement (up to 5 years) | 4.880% |
| Home Improvement (up to 7 years) | 5.281% |
| Home Improvement (up to 10 years) | 6.108% |
| Home Improvement (up to 15 years offered for the first lien only) | 6.149% |
| Improvements on Unimproved Land | 4.880% |
Construction Loans
Be the mastermind behind the blueprints of your picture perfect home. With the right loan, you can build your dream home from the ground up.
Effective Date: Friday, January 17, 2025
| APR (as low as) | |
|---|---|
| Construction | Please Call 409-988-1300 |
The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $30,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs.
Land Loans
Purchase the land that will be the site of your future home. We provide convenient financing that will give you the resources you need to claim the perfect location.
Effective Date: Friday, January 17, 2025
| APR (as low as) | |
|---|---|
| Land (5 years and below) | 6.722% |
| Land (7 years and below) | 6.533% |
| Land (10 years and below) | 6.893% |
| Land (15 years; $30,000 and over) | 7.825% |
The annual percentage rate (APR) is the cost of credit over the term of the loan expressed as an annual rate. The annual percentage rate (APR) for land loans and home improvement loans is based on a $30,000.00 loan for the stated term and includes customary closing costs. The annual percentage rate (APR) for investment/rental property loans is based on a $50,000.00 loan for the stated term and includes customary closing costs.