Loans

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Loans

Ready to take that first step toward your dream? Rates are still low, and with a fast loan process, low closing costs, we can determine the financing and payment options that are best for you.

When you think of agricultural financing in Texas, think about Texas Heritage National Bank. We have a staff of experienced agricultural lenders that specialize in agricultural lending. We know and understand all types of agricultural operations from cattle, to crops, to farm and ranch real estate. Agriculture is an essential part of Texas’ heritage and Texas Heritage National Bank has a group of experienced agricultural lenders to help you in your agricultural operations. We offer financing to meet the needs of all farmers and ranchers, whether small or large.

Cattle Loans

Let us help you expand your current operation or start a new operation. We finance livestock purchases and expenses associated with your operation. Cattle loans are made on flexible terms with repayment plans that meet your needs as a producer. Our cattle loans are set up on various terms and include revolving lines of credit that give you the ability to manage your operation. We offer financing for various type of operations including:

  • Cow/Calf operations
  • Stocker operations
  • Feedlot operations

Equipment

Having dependable equipment in your agricultural operation is a must for getting things done when you have deadlines to meet. If you need a new tractor or have found a good deal on a used one, we finance all types of equipment. Call and talk with one of our loan officers to find out about our rates and convenient repayment terms that fit with your income stream.

Crop Production

Crop production can be expensive and sometimes you need assistance with the upfront costs of inputs. We offer operating lines to help you with fertilizer and chemical expenses, labor expenses, and other input costs of your crops.

Specialty Operations

  • Nursery operations
  • Commercial tree farms
  • Forestry Investments

Specialized Agricultural Facilities

  • Poultry facilities and equipment
  • Dairy facilities and equipment

Agricultural Real Estate

Sometimes is it hard to find the right financing for agricultural real estate. The experienced agricultural lenders at Texas Heritage National Bank can help make it easier for you to find the right terms that meet your financing needs. Whether you are purchasing farm and ranch land, building a new barn on your place, or expanding your operation and need more acreage, we have the loan that is right for you. We offer fixed and variable rates that meet your needs for short or long term financing.

Agribusiness Loans

Agribusinesses are numerous across our service area and we have loans that will help you purchase, build or improve your agribusiness. So whether you own a feed store or a processing facility, we have the ability to help you improve your business by providing the funding you need. Give us a call today!


If you are looking for financing for all types of real estate in East Texas, look no further than Texas Heritage National Bank. We finance any type of real estate from a lot to a farm or ranch. We finance new construction or the purchase of an existing home or commercial building. We have the right real estate loan to fit your needs. Call us and find out how you can get started on your application today and make your new home or land a dream come true.

Home Purchase

Whether you are a first time home buyer or just looking to downsize or expand from your existing home, we have a home loan that will fit your needs. We offer a variety of repayment terms including fixed, variable, and adjustable rates. Most of the time, your home is your biggest investment, and you need to find financing that fits your needs and payment terms that work with your budget. Let us help you every step of the way so that your home purchase will be a pleasurable experience. We will be with you every step of the way!

Home Refinance

Refinancing your home or land can allow you to reduce your monthly payments, take advantage or a lower interest rate, or payoff your loan faster by shortening the terms. Check with one of our loan officers to see if refinancing is right for you. We have fixed and adjustable rate mortgages that can help you get the payment that is right for you.

Farm and Ranch Land Loans

We have loans that meet all your needs when purchasing farm and ranch land. Whether you are purchasing a small or large acreage tract of land, we have options that can get you the farm or ranch you have always dreamed of owning. Long term or short term loans are available for farm and ranch land purchases with or without a house.

Construction Loans

Interim construction loans are available to you for building a new home or other construction projects such as a barn or home improvements. Construction loans can even include funds for fencing, digging lakes and ponds, and other improvements to your property. We offer interim construction loan terms that help you get your construction completed and then help you convert to a permanent loan product at rates that are very competitive. Before you start that next building project, contact us and let us help you with it from start to finish.

Home Equity

Home equity loans are secured by the equity in your home and allow you to get cash out for many needs that may arise. Rates are typically lower on home equity loans than on personal loans and the repayment terms of a home equity loans are usually longer and more manageable than personal loans. Interest paid on home equity loans is also tax deductible unlike interest on personal loans. Home equity loans allow you to put cash in your pocket and spend it on anything you choose.

Agricultural Real Estate

Sometimes is it hard to find the right financing for agricultural real estate. The experienced agricultural lenders at Texas Heritage National Bank can help make it easier for you to find the right terms that meet your financing needs. Whether you are purchasing farm and ranch land, building a new barn on your place, or expanding your operation and need more acreage, we have the loan that is right for you. We offer fixed and variable rates that meet your needs for short or long term financing. We are a Farmer Mac approved loan originator which allows us to provide our customers with low fixed rates for up to 25 year terms on farm and ranch real estate.

Recreational Property

East Texas is a great place to purchase property for relaxation and have your own place to get away from it all. When you get ready to find your home away from home, we will be happy to help you with your purchase. We finance all types of recreational properties from small lake house lots to large tracts of land that give you room to roam. Contact us to find out about the great rates we have to offer on recreational property.


Are you looking to buy a new car? Do you just need a little extra cash for vacation? We make all types of personal loans at competitive rates with terms to fit your needs. We finance all types of vehicles, recreational vehicles, and even loans that help you consolidate your debt. Whatever your need, we are here to help. Personal loans can be approved and you will have access to your funds sometimes within the same day.

Almost all financial institutions make personal loans. So what makes Texas Heritage National Bank different? Our service! We make loan decisions in-house so getting a personal loan for whatever the need is easy and quick. Personal loans are all unique and you have to find a loan officer that understands you and a financial institution that has competitive rates and terms. If you have a need, we are here to help. Call one of our loan officers today to inquire about a loan for any of the following.

  • Auto loans
  • Boat loans
  • RV loans 
  • ATV loans 

Are you looking to expand your business but need additional funds? A commercial loan could be your best means to get you where you want to be. Our business is helping your business!

Commercial Real Estate

Have you considered relocating your business and need a loan to purchase the property and facilities? We can help! We make ommercial real estate loans for corporations, partnerships, sole proprietorships, and non-profit organizations to buy existing or construct new facilities. We also do commercial real estate loans for expansion purposes or for remodeling existing facilities. Repayment terms can be arranged to best fit your company’s income stream. We have a wide variety of rates, with repayments that are fully amortized.

Commercial Lines of Credit

We offer lines of credit to businesses secured by the business assets to help your business and give you the ability to manage your cash. With a commercial line of credit, you can purchase inventory, equipment, and take advantage of funds being available when you need to make a quick purchase. Our rates are competitive and our terms are flexible.

Commercial Equipment

If your business is struggling because of outdated equipment, give us a call and see how we can help you with the funds you need to update your equipment. We can arrange terms that you can live with to help you get things done when you need them done and make your business prosper.


Q What types of interest rates are offered?
A We offer fixed and variable interest rates as well as adjustable rates on real estate loans. Basically, we help you decide on which type of rate fits your needs the best and then structure your loan accordingly.

Q What is your current interest rate for loans?
A Loan rates vary by the type of loan you are applying for and many other factors when considering the structure of the loan. Rates are different based on short and long term repayment plans. Contact one of our loan officers so that they can give you a rate quote based on your personalized loan structure. We have competitive rates and will offer you the best rate possible on all types of loans.

Q Will my loan be sold to other lenders?
A We keep all of our loans in house and are here to help you face to face at our main bank in Daingerfield or at any of our branch locations. We offer personal service and service the loans we make ourselves, in the same place you applied for and received your loan.

Q What is the required down payment for a loan?
A Down payment requirements vary based on the type of loan and collateral pledged, the financial position and credit history of the applicant and the loan amount.

Q When will my loan payments be due and how do I make them?
A Your payment due dates will be stated in your original loan documentation. You will receive a billing statement in the mail prior to your payment due date. You can make your payment conveniently at one of our locations or you can make it by using our Telebank or Internet Banking. If you have your deposit account at another financial institution, we can also set up to draft that account to make your payment. Click on our Locations and Hours link at the top of the page to get more information on our hours.

Q What if I have lost my coupon or statement for the monthly payment that is due? What should I do then?
A If you have misplaced your coupon or statement stub, just be sure to write your loan number on your check. If you need help with your loan number, you can ask one of our tellers if you bring in the payment. Otherwise, please give us as much information as possible such as what type of loan you have if you mail in the payment without a loan number.

Q What if I can’t make my scheduled payment on time?
A We understand that sometimes unexpected things happen. Please call your loan officer if you are not able to make your scheduled payment on time so that arrangements can be made.

Loan Timeline

The time is takes to get a loan at Texas Heritage National Bank is much quicker than you probably think. We can help you from start to finish, whether you are in one of the towns we have an office in or if you are corresponding with us over the phone or email. Our lenders know that your time is important and we will make the entire loan process as easy as possible for you.

Application: Step 1

The first step in getting any type of loan is completing a loan application and submitting the requested financial statements and income verifications.

Depending on the type of request, we might need some additional information. We will give you a call and let you know what, if any, additional items are needed. These may include tax returns, pay stubs, W2 forms, bank statements, and identification documents such as driver’s licenses and social security cards.

Approval: Step 2

After your application is completed, it will be reviewed by a loan officer. If additional items are needed and requested, the approval process might take a little longer. The approval process involves reviewing the information on your application, pulling a credit report, and verifying your assets, liabilities, and income in most cases.

Our loan officers make decisions in the bank in most cases so the approval process is fast and can have you an answer in less time than other financial institutions. We will call you and let you know our decision as soon as possible.

Interim Period: Step 3

The time from approval of your loan closing varies based on what type of loan you have been approved for. Personal loans are documented and signed quickly while loans secured by real estate take longer to complete. We will take care of all the necessary steps to get your loan closed quickly. On real estate secured loans, this includes ordering appraisals, title policies, and documents when necessary. Regardless, we will keep you informed of the progress of your loan every step of the way.

Closing: Step 4

We will schedule your loan closing to be as convenient for you as possible whether it is closing at the bank or at a title company.