Real Estate Loans

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.  For more information on what to expect on your home loan purchase, please refer to the Loans page of our website and review the application timeline and frequently ask questions information.  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 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.

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.