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 First 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 loan
• 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 commercial 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.

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If your business is struggling because of outdated equipment, give us a call and see how we can help you with the funds you need to update your equipment.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.

When you think of agricultural financing in North East Texas, think about First National Bank. We have experienced staff to help you through the process. We know and understand all types of agricultural operations from cattle, to crops, to farm and ranch real estate. 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

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.

Agricultural Real Estate

Sometimes is it hard to find the right financing for agricultural real estate. The experienced agricultural lenders at First 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 rates that meet your needs for short or long term financing.

If you are looking for financing for all types of real estate in North East Texas, look no further than First 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. 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 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 First 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 rates that meet your needs for short or long term financing.

Recreational Property

North 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.