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  First Bank and Trust of Texas Home Equity Loan

First Bank and Trust of Texas Home Equity Loan

in Home Equity Loans from Heartland Financial USA Inc

Unaffiliated

First Bank and Trust of Texas Home Equity Loan

Unaffiliated

in Home Equity Loans from Heartland Financial USA Inc

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Highlights
Loan Amount Up to $2,000,000
APR  (Fixed APR) Starting at 2.5%
Loan Term (Years) 1 - 15 years

First Bank and Trust of Texas Home Equity Loan Review

First Bank and Trust of Texas Home Equity Loan is offered by Heartland Financial USA Inc, a nonbank financial services provider founded in 1981 and based in Dubuque, IA. First Bank and Trust of Texas Home Equity Loan is available in 1 state across the USA.

First Bank and Trust of Texas Home Equity Loan FAQ

How much can you borrow with a First Bank and Trust of Texas Home Equity Loan home equity loan?

A home equity loan allows homeowners to borrow money using their home as collateral (similar to a mortgage). Loan amounts vary depending on the value of the home minus the balance of any mortgages or liens on the property.

First Bank and Trust of Texas Home Equity Loan allows borrowers to apply for home equity loans of up to $2,000,000. The actual maximum loan amount will vary depending on the value of the property, how much you owe on it, and your creditworthiness.

Typically, borrowers with good credit can qualify for up to 85 percent of the value of the property less the balance on their first mortgage.

What home equity loan rates does First Bank and Trust of Texas Home Equity Loan offer?

First Bank and Trust of Texas Home Equity Loan offers home equity loans with a fixed APR

Remember the APRs of home equity loans do not include points and financing charges, just the interest rate.

What fees does First Bank and Trust of Texas Home Equity Loan charge for a home equity loan?

First Bank and Trust of Texas Home Equity Loan may charge a loan origination fee

What types of property can you use as security for a home equity loan with First Bank and Trust of Texas Home Equity Loan?

Lenders often have restrictions on the type of properties they will accept as security for a home equity loan. First Bank and Trust of Texas Home Equity Loan will consider loans secured by the following property types:

  • Primary home.
  • Secondary homes and vacation properties.
  • Investment properties and house flipping projects.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From First Bank and Trust of Texas Home Equity Loan

Refinancing your mortgage with a 15-year Home Equity Installment Loan is a smart financial decision for many. A 15-year Home Equity Installment Loan can speed up how quickly you build equity in your home and save you thousands of dollars in interest payments. You can also cut the number of payments in half when you refinance your current mortgage with a 15-year Home Equity Installment Loan. 

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 4:00pm
  • Tuesday 9:00am - 4:00pm
  • Wednesday 9:00am - 4:00pm
  • Thursday 9:00am - 4:00pm
  • Friday 9:00am - 4:00pm
  • Saturday Closed

Other Services by Heartland Financial USA Inc

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Personal Credit Cards

2 Products

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First Bank and Trust of Texas Cash Back Rewards Visa

First Bank and Trust of Texas Visa Secured Card

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Auto Loans

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Personal Lines of Credit

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Personal Loans

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CD Accounts

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Checking Accounts

3 Products

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First Bank and Trust of Texas Platinum Checking

First Bank and Trust of Texas Free Checking

First Bank and Trust of Texas Signature Series Checking

Money Market Accounts

2 Products

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First Bank and Trust of Texas Regular Money Market

First Bank and Trust of Texas High Yield Savings

Savings Accounts

3 Products

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First Bank and Trust of Texas Regular Savings

First Bank and Trust of Texas Platinum Savings

First Bank and Trust of Texas Signature Series Savings

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Home Purchase Mortgages

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Availability

  Available in 1 state
Texas
Availabile in all of Texas

Feature Breakdown

Late Fee Amount $35
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Intended Use
  • Investment
  • Primary Home
  • Secondary Home
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Recent Pay Stubs
  • Proof of Income
  • Loan Payoff Statements
  • Proof of Identity
  • Proof of Residence
  • Proof of Insurance
  • Government Issued Photo ID
  • Recent Bank Statements
  • Social Security Number
  • Driver License (or other photo ID)
  • Income Statement
Repayment Period 15 years
APR (Fixed APR) Starting at 2.5%
Loan Amount Up to $2,000,000
Loan Term 1 - 15 years
Interest Rate Types Offered
  • Fixed-Rate Mortgage
  • Adjustable-Rate Mortgage (ARM)

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.