Search

Filter Search Results

Type of Content

Reset Filters

Pages

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Find an Advisor

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

Randy Betancis

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

Alerts & Information

Check here for the most up-to-date information on Extraco Banks branches and operations.

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.

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.

Terms and Conditions

Extraco Banks is committed to providing customers with an exceptional customer experience, which includes providing various ways to access information.

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!

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.

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.

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.

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.

Stephanie Angel

I'm Stephanie Angel, a native Wacoan and holding a BBA from Tarleton State University. With extensive experience in banking, I specialize in various loan types, including auto, personal, RV, motorcycle, and debt consolidation loans. My commitment lies in assisting customers in finding the optimal loan solution tailored to their needs and circumstances. When I am not working, I enjoy traveling, cooking, and cherishing moments with my loved ones.

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.

Keith Meyer

I'm Keith Meyer, specializing in Auto Loans, Camper Loans, Credit Life & Disability, and various other lending services. With over two decades of lending experience, I'm committed to providing personalized financing solutions and compassionate service. When you choose to secure a loan through a reputable community bank like Extraco, you can trust in our dedication to meeting your individual needs with professionalism and care.

Jessica Mitchell

I'm Jessica Mitchell, serving as the Funding & Retention Manager at Extraco. With a focus on Auto Loans, Camper Loans, Credit Life & Disability, and a range of other financial services, I strive to provide personalized financing solutions. At Extraco, our team is dedicated to delivering compassionate service and tailored financial assistance to meet your needs. We look forward to the opportunity to support you in achieving your financing goals.

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.

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.

Privacy Policy

Extraco Banks is committed to protecting the privacy & security of its customers.

Chance Connell

I'm Chance Connell, a proud Waco native and Baylor University graduate with a BA in Communications. With over 15 years in banking, including the last 7 specializing in consumer lending, I'm dedicated to finding innovative solutions tailored to your financial needs and goals. Providing exceptional customer service is my priority. Beyond banking, I find joy in hunting, teaching youth Sunday School, and enthusiastically supporting Baylor sports events. Most importantly, I cherish spending quality time with my family—my wife, daughter, and our beloved dog.

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.

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.

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.

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.

Mary Owen

I'm Mary Owen, a lifelong resident of Hamilton, dedicated to serving the community through my role at Extraco Banks for over 20 years. Alongside my husband, Scottie, we cherish our family of three daughters and five wonderful grandchildren. In my leisure time, I prioritize quality moments with my loved ones. My commitment extends beyond professional duties; I am passionate about fulfilling my customers' needs and fostering positive relationships with each individual. Actively engaging in community functions, I am driven by a deep-seated passion for contributing to the growth and prosperity of our community.

Mobile Deposit

Deposit a check, anytime, anywhere! Simply open your Extraco eBank app, select the mobile deposit feature, enter the check amount, take a photo of the front and back of the check, and submit.

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.

Tammy Richards

I'm Tammy Richards, a Baylor University graduate with Summa Cum Laude honors in 1990, holding a B.B.A. in Finance. For over three decades, I've been a dedicated commercial lender in Waco, prioritizing exceptional customer service and fostering meaningful client relationships. I find fulfillment in understanding my clients' businesses and providing valuable insights drawn from my extensive experience. Beyond my professional endeavors, I actively contribute to the community as a member of the United Way Board of Directors and the Greater Waco Chamber of Commerce Board of Directors. Volunteering aside, I enjoy indulging in reading and traveling adventures with my family.

Easier, faster, flexible banking that puts you in charge.

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quis istud, quaeso, nesciebat? Dat enim intervalla et relaxat. Quod ea non occurrentia fingunt, vincunt Aristonem; Duo Reges: constructio interrete. Sed plane dicit quod intellegit. Vide, quaeso, rectumne sit.

Resource Center

Explore our resource center! The tools and information you need to succeed, right at your fingertips. Read articles about recents events on our blog, take advantage of our financial calculators, read how-tos and tips in our resource articles, explore our video library and keep up-to-date on events!