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Last Updated: 04/18/2025

First Bank and Trust of Texas Home Equity Loan

from Heartland Financial USA Inc

Last Updated: 04/18/2025

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Highlights

Credit Score Range

N/A

Amount Range

Up to $2,000,000

Maximum LTV

N/A

Loan Term (Years)

1 - 15

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 are available in 1 state.

Key Takeaways

Investment and personal use properties considered. Financing available for primary homes, vacation homes, and even investment homes, such as rental properties.
Charges a prepayment fee. This means you will be charged an additional fee if you repay the mortgage early.

First Bank and Trust of Texas Home Equity Loan Pros & Cons

Pros

Cons

Charges an origination fee.
Charges prepayment fees.
No co-sign option available.
Only available in 1 state.

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.

Generally, 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.

Is Heartland Financial USA Inc a legit company?

Heartland Financial USA Inc was founded in 1981, it is a well-established company that has been in business for 45 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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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

Headquarters

1398 Central Avenue

Dubuque, IA 52001

Visit Site

Email Support

Hours of Operation

SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed

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SuperMoney Net Recommendation Score

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-1000+100

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