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“First time home buyer or ready to explore refinancing? We’ve got you covered. Get Moving”

“Fast processing. Flexible terms. Fewer hurdles. Our loan requests are reviewed by local lenders who understand unique operations. Learn More”

“Fast processing. Flexible terms. Fewer hurdles. Our loan requests are reviewed by local lenders who understand unique operations. Learn More”

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“Banking Checking Savings CDs Credit Cards Mobile/Online Banking Loans Business Lines of Credit Commercial Real Estate & Construction Farm and Ranch SBA Payment and Cash Management Treasury Solutions Merchant Services Help Resources Mobile/Online Guide Security & Fraud Center Financial/Business Literacy Contact Us Report Lost or Stolen Card”

“Explore building and growing your business with a loan from Security State Bank & Trust – a fellow local business. Construction and permanent real estate Development Capital improvement Refinance existing loan Image 67 - 33 White Image”

“Near Me Find a Branch or ATM Near Me Find an SSB&T Team Near Me Branches Fredericksburg: Headquarters (W. Main Street) Fredericksburg W. San Antonio Drive-Thru Fredericksburg E. Main Drive-Thru Bee Cave Blanco Boerne Bulverde Canyon Lake Comfort Dripping Springs Fort Worth Harper Ingram Johnson City LPO Kerrville Kerrville Drive-Thru Kingsland Lago Vista Liberty Hill Marble Falls New Braunfels Spicewood Spring SBA Loan Office”

“Near Me Find a Branch or ATM Near Me Find an SSB&T Team Near Me Branches Fredericksburg: Headquarters (W. Main Street) Fredericksburg W. San Antonio Drive-Thru Fredericksburg E. Main Drive-Thru Bee Cave Blanco Boerne Bulverde Canyon Lake Comfort Dripping Springs Fort Worth Harper Ingram Johnson City LPO Kerrville Kerrville Drive-Thru Kingsland Lago Vista Liberty Hill Marble Falls New Braunfels Spicewood Spring SBA Loan Office”

“Find a Loan Officer White Image Some of the best customer service you can ever get. James”

“Personal Banking Checking Savings CDs IRAs Credit Cards Mobile/Online Banking Loans Mortage and Home Loans Auto Loans Debt Consolidation Loans Other Consumer Loans SSB&T Wealth About Wealth Management Trust and Estate Services Logins Help Resources Mobile/Online Guide Security & Fraud Center Financial Literacy Contact Us Report Lost or Stolen Card Business Banking Checking Savings CDs Credit Cards Mobile/Online Banking Loans Business Lines of Credit Commercial Real Estate & Construction Farm and Ranch SBA Payment and Cash Management Treasury Solutions Merchant Services Help Resources Mobile/Online Guide Security & Fraud Center Financial/Business Literacy Contact Us Report Lost or Stolen Card SSB&T Wealth About Wealth Management Trust and Estate Services Logins Locations Find Brand or ATM Near Me Find an SSB&T Team Near Me Branches Fredericksburg: Headquarters Fredericksburg W. San Antonio Drive-Thru Fredericksburg E. Main Drive-Thru Bee Cave Blanco Boerne Bulverde Canyon Lake Comfort Dripping Springs Fort Worth Harper Ingram Johnson City Kerrville Kerrville Drive-Thru Kingsland Lago Vista Liberty Hill Marble Falls New Braunfels Spicewood Spring SBA Loan Office Hi, Y'all Who We Are Work With Us Our Community Work Contact Us Search Awards Report Lost or Stolen Card Search Business Loans”

“Banking Checking Savings CDs IRAs Credit Cards Mobile/Online Banking Loans Mortage and Home Loans Auto Loans Debt Consolidation Loans Other Consumer Loans SSB&T Wealth About Wealth Management Trust and Estate Services Logins Help Resources Mobile/Online Guide Security & Fraud Center Financial Literacy Contact Us Report Lost or Stolen Card”

“Banking Checking Savings CDs IRAs Credit Cards Mobile/Online Banking Loans Mortage and Home Loans Auto Loans Debt Consolidation Loans Other Consumer Loans SSB&T Wealth About Wealth Management Trust and Estate Services Logins Help Resources Mobile/Online Guide Security & Fraud Center Financial Literacy Contact Us Report Lost or Stolen Card”

“Borrowers must show they have the ability to repay the loan based upon their current income.”

“Have you been planning and thinking about building a new home? There are so many things to consider, such as determining the right floor plan, picking the best contractors, selecting the materials, selling your existing home. Sometimes, with all these other things to consider, you miss the most important planning of all – your financing. Construction can be a stressful process. Having flexibility and saving time and cost in your financing are as important as anything else you do. See us before you make your building plans so we can walk you through the process from start to finish. We’ll help you be better prepared and lower your stress a bit!”

“Construction Loans”

“With construction loans, borrowers must often meet certain credit guidelines. Typically, a credit score of 640 or above is required to qualify.”

“One of the main factors when determining your ability to afford a loan is your debt-to-income (DTI) ratio. Your DTI ratio is the relationship between your monthly debt payments and gross monthly income. This ratio needs to be reasonable to qualify for a conventional mortgage loan, meaning the amount you spend on monthly payments needs to be “reasonable” compared to your monthly income. Typically, your ratios need to be less than 43%, but it is possible for them to be higher.”

“An appraiser considers the plans and specs of the house as well as the value of the land that the home is being built on. These calculations are then compared to other similar houses with similar locations, similar features and similar sizes. These other houses are called “comps,” and an appraised value is determined based on the comps. A mortgage in favor of Security State Bank must be in place before any work can begin on the property.”

“We offer interest-only construction loans as well as a one-time close construction loans with fixed-rate financing.”

“Become a Member Apply for a Loan “I have been a member of Freedom Credit Union for approximately 30 years. I have always experienced excellent customer service!” Routing Number: 236084751”

“Take advantage of our competitive, low auto loan rates. Rates as low as 3.99% APR*! Learn More Home Equity 5.50%”

“Enjoy low mortgage rates, expert advice, and all the support you need. Find Your Dream Home”

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“Move forward with confidence with flexible personal loan options and competitive rates. Rates as low as 3.99% APR* Learn More Auto Loan Rate Change 3.99%”