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First Liberty National Bank has always been very active in financing homes in the Liberty/Dayton, Texas area. We have recently expanded our financing of properties to Chambers County as well as the Crosby, Texas, Mont Belvieu, Texas and Huffman, Texas areas. We believe treating our customers fairly. For customer’s that do not understand home loans, our loan officers and loan secretaries take great pride in working with you. We will walk you through the application process. We want you to know that we care.

We offer a variety of homes loans:

  • Conventional loans with up to 95% financing.

We can finance several different types of homes:

  • Standard home
  • Manufactured home and land
  • Home and acreage
  • Second homes
  • Beach property
  • Lake property

Our traditional trade area has been South Liberty County and North Chamber County. NOW, we have expanded our lending area to Southeast Texas.

 
30 Year Fixed Rate
20 Year Fixed Rate
15 Year Fixed Rate
1 Year Adjustable Rate Mortgage (ARM)
3 Year Adjustable Rate Mortgage (ARM)
5 Year Adjustable Rate Mortgage (ARM)
Home Equity Fixed Rate
Home Equity- Variable Rate 1 Year
Home Equity- Variable Rate 3 Year
Home Equity- Variable Rate 5 Year

Rates last updated on Tuesday, September 22, 2015

30 Year Fixed Rate

Fixed 30 Year rate for 1-4 family owner-occupied dwellings.  One of our most popular mortgage products due to it's lower monthly payments and no early pay-off penalties.  Excellent for first time home buyers.

Term: 30 years   Maximum Amount: $350,000
RatesAPRPoints
5.75%5.984%1%

20 Year Fixed Rate

Fixed 20 Year Rate Mortgage that will remain here with us at YOUR friendly Neighborhood Bank

Term: 20 years   Maximum Amount: $350,000
RatesAPRPoints
5.375%5.684%1%

15 Year Fixed Rate

A 15 Year fixed rate loan for 1-4 family dwellings.  Whether your a first time home buyer or shopping for your second home this may be the mortgage for you.  Servicing will remain here at FLNB

Term: 15 years   Maximum Amount: $350,000
RatesAPRPoints
4.875%5.26%1%

1 Year Adjustable Rate Mortgage (ARM)

Fixed rate for one year.  After the first year, the rate changes every twelve months on the anniversary of the loan.  Rate changes are determined by the weekly average yield on U.S. Treasury securities adjusted to constant maturity of 12 months, with a maximum rate change at one time of 2%. The Interest rate on this loan may increase during the life of the loan.

Term: 30 years   Maximum Amount: $350,000
RatesAPRPoints
3%3.518%1%
 

20 year term limit on raw land and manufactured homes.


3 Year Adjustable Rate Mortgage (ARM)

A fixed rate for three (3) years.  After the third year, the rate changes every three (3) years on the anniversary of the loan.  Rate changes are determined by the weekly average yield on U.S. Treasury securities adjusted to constant maturity of three (3) years, with a maximum rate change at one time of 2%.  The Interest rate on this loan may increase during the life of the loan.

Term: 30 years   Maximum Amount: $350,000
RatesAPRPoints
3.5%3.705%1%
 

A 20 year term limit for purchases of raw land and manufactured home


5 Year Adjustable Rate Mortgage (ARM)

Fixed rate for Five (5) years.  After the Fifth year, the rate changes every five (5) years on the anniversary of the loan.  Rate changes are determined by the weekly average yield on U.S. Treasury securities adjusted to constant maturity of five (5) years, with a maximum rate change at one time of 2%.  The Interest rate on this loan may increase during the life of the loan.

Term: 30 years   Maximum Amount: $350,000
RatesAPRPoints
4%4.211%1%
 

A 20 year term limit for purchases of manufactured homes and raw land.


Home Equity Fixed Rate

Up to 20 year fixed rate for loans borrowed against the equity in your house.  You can borrow up to 80% of the value of your home.

Term: 20 years   Maximum Amount: $250,000
RatesAPRPoints
5.625%5.811%0%

Home Equity- Variable Rate 1 Year

Fixed rate for one (1) year.  After the first year, the rate changes every twelve (12) months on the anniversary of the loan.  Rate changes are determined by the weekly average yield on U.S. Treasury securities adjusted to constant maturity of 12 months, with a maximum rate change at one time of 2%.  The Interest rate on this loan may increase during the life of the loan.

Applicants that qualify may be eligible to borrow up to 80% of the value of their house.

Term: 20 years   Maximum Amount: $250,000
RatesAPRPoints
3.25%3.42%0%

Home Equity- Variable Rate 3 Year

Fixed rate for three (3) years.  After the third year, the rate changes every three (3) years on the anniversary of the loan.  Rate changes are determined by the weekly average yield on U.S. Treasury securities adjusted to constant maturity of 3 years, with a maximum rate change at one time of 2%.  The Interest rate on this loan may increase during the life of the loan.

Applicants that qualify may be eligible to borrow up to 80% of the value of their house.

Term: 20 years   Maximum Amount: $250,000
RatesAPRPoints
3.75%4.01%0%

Home Equity- Variable Rate 5 Year

Fixed rate for five (5) years.  After the fifth year, the rate changes every five (5) years on the anniversary of the loan.  Rate changes are determined by the weekly average yield on U.S. Treasury securities adjusted to constant maturity of five (5) years, with a maximum rate change at one time of 2%.  The Interest rate on this loan may increase during the life of the loan.

Applicants that qualify may be eligible to borrow up to 80% of the value of their house.

Term: 20 years   Maximum Amount: $250,000
RatesAPRPoints
4.25%4.426%0%


Furthermore, we offer Home Equity Loans.


Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $250,000 with closing costs of $5,000. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $420,000 with closing costs of $8,400. Your actual APR may be different depending upon these factors.

CONTACTS:

Diane

Huddleston

NMLS ID NO: 461443

936-340-4742

dhuddleston@flnb.com

Earle Connevey

NMLS ID NO: 461441

936-334-3128

econnevey@flnb.com

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FIRST LIBERTY  NATIONAL BANK

NMLS ID NO: 460977