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“As a business owner, you may be looking at a simple purchase, business acquisition, rental income property or refinancing. Flexible Terms: We offer a variety of loan products with flexible terms and repayment options tailored to meet your specific business needs and financial goals. Competitive Rates: Our commercial real estate loans come with competitive interest rates, helping you minimize borrowing costs and maximize your returns on investment. Local Expert Guidance: Our local team of experienced loan officers, will provide personalized guidance and support throughout the loan application process, helping you navigate the complexities of commercial real estate financing. Loan decisions are made in Texas by Texans. Investing in commercial real estate can be a lucrative opportunity for businesses to grow their assets and generate long-term income. Collaborate with a local partner that you know. Your Branch Address: 2201 Midtown Lane Fort Worth, TX 76104 Contact Us: 817.768.9299”

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“Talk or text with a Home Loan expert Monday – Friday, 9 a.m. – 6 p.m. Call or text 254.774.5104”

“Commercial Real Estate”

“Flexible terms: Loan terms are available at 10, 15, 20, or 30 years. Low, fixed rates: Ensures your payment will not increase over time. Low down payment: As little as 3.5% of the purchase price with loan amounts up to $524,255. Lower credit score requirement: 580 minimum. Debt-to-income ratio: As high as 50%. Monthly mortgage insurance (MMI): Up-Front mortgage insurance premium (MIP) of 1.75% is rolled into the loan, and 0.55% is paid monthly. Other features: You can use gift funds toward your closing costs.”

“What is a fixed-rate mortgage? A fixed-rate mortgage is a type of mortgage that has a fixed interest rate that does not fluctuate with market rates. Typically, fixed-rate mortgages refer to a “30-year fixed” loan, where the interest rate and payment will remain the same for 30 years. What is an adjustable-rate mortgage? An adjustable-rate mortgage is a type of mortgage in which the interest rate applied on the outstanding balance varies throughout the life of the loan. Typically, the initial interest rate is fixed for a period of time, after which it resets periodically, often every year. What is the difference between the interest rate and the annual percentage rate? The interest rate is the amount you will pay every year on your mortgage loan expressed at a percentage rate. The Annual Percentage Rate (APR) includes the interest plus any other charges, fees, or points associated with your loan. The interest rate does not include any additional fees associated with your loan. For this reason, the APR is usually higher than the interest rate. What is “Private Mortgage Insurance”? Private Mortgage Insurance (PMI) is generally required when you have a conventional mortgage loan and your down payment is less than 20%. If you refinance and your home’s equity is less than 20%, PMI is generally required. This insurance policy protects the lender if you stop making your mortgage payments and adds additional costs to the monthly mortgage payment. PMI is not a permanent cost, and may be removed when you have at least 20% equity in your home or the property financed. What is an FHA Loan? A Federal Housing Administration (FHA) Loan is a government-backed mortgage insured by Housing and Urban Development (HUD) that has historically been for borrowers seeking minimal down payment or who fall below standard lending guidelines. Today, FHA loans have emerged as the main source of financing for low down payments and/or lower credit score purchases and refinances, and provide excellent financing for most homeowners. FHA loan guidelines have recently changed to reflect higher home values in areas where FHA loan limits were previously too low to help the average household. What is a VA Loan? A VA loan is a loan guaranteed by the Department of Veterans Administration for qualified veterans and active-duty military personnel and their spouses who are first- or second-time home buyers. What is a USDA Loan? A USDA loan is a loan guaranteed by the United States Department of Agriculture (USDA). They are particularly favorable to those living in rural or low-income areas. They offer $0 money down, lenient eligibility requirements, and competitive interest rates. Homes must be located in eligible areas to qualify for a USDA loan. 1 Loans currently financed with Texell are not eligible for refinancing. Contact Texell Home Loan experts for rates on additional Mortgage Loan terms. ² APR = Annual Percentage Rate. These examples are based on a loan amount of $272,000 with an 80%”

“Find the mortgage that best fits your individual needs with an FHA, VA, or USDA loan. apply for a loan If you’re a first-time homebuyer, don’t have perfect credit, or don’t have a large down payment, Texell can help with an FHA, VA, or USDA loan tailored to your needs.”

“While making a down payment of 20% is advisable, several loan programs are available that put home buying within reach without meeting this goal. Learn about home loan options”

“Get a personalized consultation with a local Home Loan expert at one of our branches. schedule an appointment You may also be interested in...”

“Mortgage rates effective: 01/23/2026 Estimated Payment type & term 1 rate apr 2 as low as Points lender fee FHA 30-year Fixed 5.99% 6.91% 0.00% 0.00% FHA 15-year Fixed 5.63% 6.68% 0.00% 0.00% VA 30-year Fixed 6.13% 6.53% 0.00% 0.00% VA 15-year Fixed 5.75% 6.41% 0.00% 0.00% USDA 30-year Fixed 5.38% 5.89% 0.00% 0.00%”

“A USDA home loan offers a 0% down payment for eligible properties and home buyers. To qualify for this loan, you must purchase a home located in an eligible rural area, as defined by the USDA. Income limit is based on household size, and there is an up front and annual guarantee fee. Terms: 30-year loans available. Low, fixed rates: Ensures your payment will not increase over time. Low down payment: No down payment and gift funds are allowed for closing. Lower credit score requirement: 600 minimum. Debt-to-income ratio: As high as 41% to qualify. Monthly mortgage insurance (MMI): Required for this type of loan. See if your home is in a usda area”

“The Department of Veterans Administration guarantees mortgages for qualified veterans and active-duty military personnel and their spouses who are first- or second-time home buyers. Benefits of VA Loans: Flexible terms: Loan terms are available at 10, 15, 20, or 30 years. Low, fixed rates: Ensures your payment will not increase over time. Low down payment: Zero down payment options available. Lower credit score requirement: 580 minimum. Debt-to-income ratio: As high as 50%. Private mortgage insurance (PMI): No PMI required. Non-exempt borrowers can include the VA funding fee in the mortgage loan amount. Other features: You can use gift funds toward your closing costs.”

“Commercial Real Estate”

“Construction Loan”

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“Commercial Real Estate”

“Construction Loans”

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“Access a fixed amount distributed in a lump sum Principal and interest paid in fixed monthly payments $10,000 minimum loan amount Fixed and variable rates, up to 20 year term Secured with business property”

“Purchase property and buildings Relocate your business Expand business operations Make property improvements Refinance your current mortgage for business operations expansion and opportunities Restructure debt”

“Use an ANBTX commercial mortgage loan to buy, expand, or relocate your business. Whether you've outgrown your current office space, need to add another retail location or warehouse, or want to refinance your current property to expand operations, ANBTX can help structure a commercial mortgage loan that will move your business forward.”

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