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Personal Loans

Traditional loans can be unsecured or secured by an Extraco CD or Whole Life account, or a title instrument such as a car, boat, or motorcycle. An Extraco Consumer Credit Lender is happy to advise you about which type of loan might best meet your needs.

Loans

Explore our comprehensive loan solutions, from home and auto loans to personal and student loans. Whether you're buying a new home, refinancing, purchasing a car, consolidating debt, or seeking student loan options, we provide tailored assistance and competitive rates to meet your needs. Let us help you achieve your financial goals with ease and confidence.

Auto Loans

Extraco Banks makes auto loans easy by offering support for refinancing, buying a used car from an individual, purchasing from a dealership, or getting pre-approval.

Loan Payment Options

Thank you for working with Extraco Banks for your loan! Below are a list of convenient ways to make your loan payments each month to Extraco.

Veteran Home Loans

At Extraco Mortgage, we believe our Veterans and active-duty military members deserve a place to call home—and a lending partner who understands their journey. Our VA Home Loans are designed to honor your service with benefits that make homeownership more affordable and accessible.

Home Loans

Whether you're looking to build, purchase, refinance or receive special terms as a physician or veteran, Extraco Mortgage can help you.

Traditional Mortgages

Discover the perfect mortgage for your unique needs. From conventional and VA loans to FHA and jumbo options, we offer a variety of terms and benefits to suit every home buyer. Whether you're planning for long-term residency, seeking low initial payments, or utilizing your home's equity, our flexible solutions ensure a seamless path to homeownership.

Solution Home Loan Program

This innovative program offers alternative credit solutions and is open to eligible applicants seeking to purchase a primary residence in select Bell and McLennan County areas.

Lot, Land, and Construction Loans

Built by you, backed by us. Secure the perfect land for your dream home with our lot/land loans, offering up to 80% financing or 100% for qualifying physicians. If you're ready to build, our construction loans provide flexible terms, including interest-only payments during construction. Explore options for both immediate and future building plans to make your vision a reality.

Find a Mortgage Consultant

Our experienced Mortgage Consultants are ready to help you with your dream home. Our experts are located all over Central Texas and cannot wait to answer your questions.

Refinance Your Mortgage and Save

Extraco Mortgage offers refinancing options to help borrowers access home equity, shorten loan terms or lower monthly payments. Our team provides guidance to make refinancing simple and personalized.

Brian Lilly

Howdy! After graduating from Texas A&M with an Economics degree in 1991, I joined the mortgage profession. Since then, I’ve helped thousands of clients, across the county, achieve the American dream of homeownership. Whether you are buying, building, or refinancing your primary, second/vacation, or investment property, please call on me for a complimentary consultation to discuss any of your residential mortgage needs.

Business Loans

Whether your business is in need of real estate loans, municipal financing or business loans, we've got the right solution and experts waiting to help you.

Loan Inquiry

Have questions about applying for a loan or credit card? Fill in your information and a loan specialist will contact you!

Student Loan Options

Extraco has partnered with Brazos Higher Education to offer Texas residents student loans with low rates, transparent pricing, and no fees, ensuring affordability and clarity for your education.

Home & Auto Insurance

Home and auto insurance provide financial protection for your property and vehicles. Let Extraco Insurance help you find the coverage that fits your insurance needs.

Extraco Banks Selects Empower, Black Knight's High-Performance LOS, to Drive Growth in Digital Mortgage Operations

Black Knight, Inc. (NYSE:BKI) announced today that Extraco Banks, the largest and most comprehensive locally owned bank between Dallas and Austin, Texas, has signed a contract to implement the Empower loan origination system (LOS). The company selected Empower for its exceptional digital mortgage capabilities, and will also use Black Knight’s Surefire CRM and mortgage marketing engine to elevate the customer experience and to help create customers for life.

Extraco Banks Selects Empower, Black Knight's High-Performance LOS, to Drive Growth in Digital Mortgage Operations

Extraco Banks, the largest and most comprehensive locally owned bank between Dallas and Austin, Texas, has signed a contract to implement the Empower loan origination system (LOS). The company selected Empower for its exceptional digital mortgage capabilities, and will also use Black Knight's Surefire CRM and mortgage marketing engine to elevate the customer experience and to help create customers for life.

Life Disasters

Extraco Banks understands the unique needs of Central Texans during times of disasters. When you're an Extraco customer, you're part of the Extraco Family. Let us help you and your family through any of your needs.

Julie Aluiso

I'm Julie Aluiso. As a mortgage professional, I'm devoted to ensuring you have the best lending experience possible. I earned my Bachelor's in Human Development from The University of Alabama and went on to complete my Master's of Business Administration at the University of Mary-Hardin Baylor. Let's build some dreams together!

Staci Harrelson

I’m Staci Harrelson. I am a mortgage loan officer with over 20 years of experience in the industry. I’ve worked in several different areas of mortgage including origination, production and post-closing.

Mattea Rodriguez

I'm Mattea Rodriguez, and facilitating the success of others has always been a profound passion of mine. As a Mortgage Consultant, I view my role as a conduit for this aspiration. My paramount objective is to furnish homebuyers and existing homeowners with the guidance they need to traverse the home loan process with assurance, transparent communication, and individualized care. Drawing from over seven years of real estate expertise, my unwavering dedication is to ensure that you make the optimal financial decision for yourself and your family. With Extraco Banks offering a diverse array of loan products, I stand ready to provide steadfast support at every juncture of your journey.

Jim Hagen

I'm Jim Hagen, a seasoned Loan Officer based in Corpus Christi, Texas, with over two decades of experience in the industry. Specializing in VA, FHA Conventional, and various other loan types, I'm well-equipped to assist you with your financing needs. Your satisfaction is my priority, and I'm dedicated to providing comprehensive support in any way possible throughout the loan process.

Stan Jackson

I'm Stan Jackson, a Texas Tech University graduate with a BBA in Finance. With over three decades of mortgage experience in the Temple-Belton area, I specialize in single-family purchase homes, refinance, construction, and land financing. My extensive expertise ensures tailored solutions to meet your specific needs in the ever-evolving real estate market.

Joy King

I’m Joy King. Since graduating from Tarleton University, I’ve spent over a decade in the finance industry, gaining experience in retail and commercial banking. This background has given me a wealth of knowledge and a deep passion for helping clients achieve their homeownership dreams.

Linsey Barron

Hi, I’m Linsey! Over a decade ago, I took a leap of faith and embarked in the financial industry, and it’s been an incredible journey of growth, learning, and purpose ever since. There's nothing more rewarding to me than helping individuals and families turn their dream of homeownership into a reality.

Brenda Davila

I'm Brenda Davila, and with over 20 years of experience in mortgage lending, I'm deeply passionate about finding innovative financial solutions for my clients. My commitment is to guide you through the entire loan process, ensuring the best possible home-buying experience. I'm dedicated to simplifying the process and providing professional and timely service at every step. Whether it's your first home or your forever home, I'm excited to be part of your home-buying journey!

John Boyd

With 12 years of experience in the mortgage industry, I’ve developed a comprehensive understanding of home financing and a deep commitment to helping clients achieve their homeownership goals.

Joanna Melton

I'm Joanna Melton, dedicated to assisting families in realizing their dreams of home ownership. With a wealth of experience, I offer a diverse range of loan programs tailored to your specific requirements. My expertise spans across various loan types, including Conforming & Jumbo Loans, Construction Loans, and Conventional Loans, among others. While my office is situated in Belton, I extend my services to cover all areas of Central Texas.

Jordan Jones

I'm Jordan Jones, a seasoned mortgage lender with nearly a decade of experience in the industry. Guiding my clients through the journey to home ownership is my passion. Outside of work, I cherish my role as a husband to an incredible wife and a father to three wonderful children. My values are deeply rooted in God, my family, my country and Texas!

Extrapreneur Media

Don't just hear it from us! 03.06.2019 Start Up Waco Extraco Big Idea Challenge: Pitch Your Big Idea For a Chance to Win Up To $5,000 04.09.2019 PR Newswire Extraco Banks Launches Applications for

Jason Wolfe

I'm Jason Wolfe and I am dedicated to building and developing the best Mortgage Production Team in the industry at Extraco Banks Mortgage. With a strong, regional but local community bank presence, we strive to provide the very best platforms, technology, tools, and products for our customers. At Extraco, we foster a customer-focused work environment where innovation is encouraged.

Samantha Jackson

Samantha Jackson is a seasoned mortgage loan officer with over 20 years of experience. Her journey in mortgage began shortly after obtaining her bachelor’s degree with a major in accounting from the University of Mary Hardin-Baylor. Throughout her career, Samantha has worked with various financial institutions, honing her skills in mortgage lending, underwriting and customer service. She’s known for her in-depth knowledge of mortgage products, regulations, and the ever-evolving market trends.

Randy Betancis

Our city is important to me and is why I give my time and resources to help make it better.

Theresa Clark

I'm Theresa Clark, dedicated to making homeownership dreams come true since 2003. I prioritize building lasting relationships throughout the mortgage process, offering support beyond regular hours. As a community lender, I provide personalized service with local decision-making. Active in organizations like the Bryan College Station Realtor Association and the Bryan College Station Chamber, I'm deeply engaged in our local community. Let's work together to make your homeownership aspirations a reality.

Gail Bartay

I am Gail Bartay, proud graduate of Texas A & M University with a BBA in Finance. With over three decades of expertise in Commercial Lending, I've honed my skills in advocating for Treasury Management services to benefit my clients. My commitment to community service spans across various organizations, including the Rotary Club of Waco, Midway ISD Education Foundation, Caritas of Waco, and the St. Louis Catholic Church Finance Council, among others. I believe in fostering strong customer relationships grounded in a thorough understanding of their business, financial needs, and priorities.

Steve Ford

I am Steve Ford, a graduate of Stephen F. Austin with a Bachelor of Business Administration in Finance. Over the past four decades, I've had the privilege of assisting 90,000 consumers with their loan needs. Recognizing that individual financial journeys are multifaceted and extend beyond mere credit scores, I am dedicated to helping you achieve your financial goals. Trust in my local expertise when you require seasoned guidance. Outside of work, I enjoy fishing and engaging in personal investments in the stock market and precious metals.

Find a Treasury Management Consultant

Extraco Banks' Treasury Management Consultants are ready to help your business with any Treasury Management needs, such as Cash Management and Merchant Services.

Lisa Winkler

I'm Lisa Winkler, bringing over two decades of experience at Extraco Banks. My expertise spans all aspects of commercial and real estate lending, with a specialization in Commercial Real Estate Loans, Construction Loans, Equipment Loans, and more.

Find an Advisor

Meet with a Wealth & Trust Advisor and get your financial goal planning questions answered.

Robert Jackson

Offering unique service and knowledge tailored to meet your financial needs is what we strive for. We at Extraco look forward to assisting you with all of your lending needs.