Thinking about a new car? Dreaming of owning your own boat?
At Texas State Bank, we are here to help your wishes become reality. We have a full service consumer loan staff to offer competitive rates on a variety of personal loans to meet your needs. Personal loans are an excellent way to borrow for almost any reason including the financing of the purchase of autos, manufactured homes/mobile homes, boats/RVs; debt consolidation or home improvements. Personal loans may be either unsecured or secured.
To apply for a personal loan or discuss the right loan to meet your needs, stop by your local Texas State Bank banking center or call:
- Rio Grande Valley - (956) 631-5401
- Houston - (713) 881-1235
Real Estate Loans
Texas State Bank is the first place to stop when you are looking for a real estate loan. We offer a wide variety of loans from mortgages, home improvement, home equity, and construction. All of our loans are processed and approved locally by loan officers whose first responsibility is to you, our customer.
Home Equity Loans
A home equity loan is a smart way to achieve your financial goals; you borrow a fixed amount at a fixed rate against the equity you have earned in your home. You can borrow up to 80% of the fair market value of your home, minus any outstanding mortgage balances. You can use this money to purchase a new car, consolidate other debts and credit card balances, pay college tuition, improve your home, fund a business venture, and more.
Advantages of a Home Equity Loan
You will typically pay a lower interest rate than on most other loans, and you may even be able to deduct the interest you pay from your taxes,* so you will save even more. You will also have the option of paying off your loan ahead of schedule, without any prepayment penalties.
Confidential Financial Statement Form
All loans are subject to credit approval, acceptable collateral, and available equity. Some restrictions may apply.
* Generally, interest on home equity loans is tax deductible for maximum amounts up to $100,000. However, this is only true if you itemize your tax deductions rather than accept the standard federal deduction. Consult your tax advisor regarding your eligibility to deduct interest expense. All loans are subject to credit approval. Some restrictions may apply.