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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.

Greg Goff

I'm Greg Goff, and I've been with Extraco since 2012, where I spearheaded the establishment of a loan production office in Austin, TX. My primary expertise lies in Commercial Real Estate lending across the major Texas metros. Holding a Finance degree from The University of Texas and boasting over two decades of experience in commercial banking, I am committed to delivering exceptional financial solutions to our clients.

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.

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.

Chris Baldwin

I'm Chris Baldwin, serving as a Bank Officer at Extraco Banks. My expertise lies in auto loans and camper loans, where I strive to provide tailored financial solutions to our valued clients. At Extraco Banks, we are dedicated to assisting you in fulfilling all your financial requirements with our distinctive services and attentive staff.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Thomas Sinkey

I'm Thomas Sinkey a graduate of Park University with a BS in Management, and Tarleton State University with a Masters of Business Administration. I served in the United States Army as a Military Police Officer for over 20 years. Now, I've been with Extraco Banks for nearly 19 years and have seen serving business owners throughout Central Texas area the entire time. Currently, I serve as the President of the Temple Rotary Club, Secretary of the Temple Rotary Club Foundation, board member of the Temple Education Foundation, the Temple Police Advisory Commission, the Killeen Police Department Law Enforcement Assistance Fund. Beyond my professional and services commitments, I am also an avid golfer and a devoted husband, father, and grandfather. In my free time I enjoy playing in golf tournaments around the area and spending time with my family.

Keith Maxwell

I'm Keith Maxwell, a Texas State University graduate with nearly 40 years of experience in the banking industry, with more than half of my career spent at Extraco Banks. Community service is a cornerstone of my values, reflected in my tenure on the boards of various local Chambers of Commerce, Boy Scouts, Habitat for Humanity, the Fort Hood Chapter of AUSA, and the Fort Hood Regional Economic Development Foundation.

Steve Mobley

I'm Steve Mobley. I have been a banker and lived in the Brazos Valley over 30 years. My main focus has been to help my customers grow, prosper, and exceed their goals.

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.

Tom Creek

I'm Tom Creek, a commercial banker with nearly three decades of experience. I hold a bachelor's degree from West Texas A&M University and a degree from Southwestern Graduate School of Banking. Residing in Gatesville, Texas I am passionate about community growth, I actively participate in organizations like the Salvation Army, Lions Club, Gideons, Central Texas Hospitality House, Meals on Wheels, and church activities.

Stan Giles, CTP

I'm Stan Giles, the Treasury Management Consultant for McLennan, Brazos, and Coryell counties. With a BBA in Finance, I hold key certifications including Certified Treasury Professional, Six Sigma Green Belt, and Level 1 certification in the Texas Public Funds Investment Act. I'm also a graduate of Leadership Waco and Temple. My active involvement in the Greater Waco Chamber of Commerce includes being named the 2021 Ambassador of the Year, highlighting my dedication to local engagement. Outside of work, I enjoy camping with my family, attending First Baptist Woodway, and playing the piano.

Jason Collier

I am Jason Collier, a native of Belton, Texas, currently residing in Troy with my wife and children on our family farm. My educational journey includes earning a Bachelor's in Business Administration from Howard Payne University, an MBA from Texas A&M Commerce, and completing the Southwestern Graduate School of Banking program. As a third-generation banker, I've been immersed in the industry since 2009, specializing in commercial and agricultural lending since 2011. Alongside my professional endeavors, I actively contribute to Trinity Church, the Temple Area Builders Association, and the Ralph Wilson Youth Club. In my leisure time, I indulge in hunting and enjoy coaching my children's baseball and football teams.

Gerald Popp

I'm Gerald Popp, and I've been fostering strong business relationships between Extraco and the vibrant Central Texas business community since 1991. As a proud Class of '81 Aggie with a Master's Degree obtained in '83, I've had the privilege of serving the Bryan College Station market since 2012. I eagerly anticipate sharing the Extraco approach to cultivating long-term and profitable relationships with you.

John Bush

I'm John Bush, a proud graduate of Texas A&M University, and I've been a resident of Bryan/College Station since 1986. With almost three decades of experience in commercial banking, I am deeply engaged in our local community. Currently, I hold leadership positions with Junior Achievement of the Brazos Valley, the Boys and Girls Clubs of the Brazos Valley, and actively contribute to several other civic and charitable organizations.

Randy Betancis

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

Matthew Bond

I'm Matthew Bond and I've been with Extraco since 2009, accumulating nearly two decades of experience in financial services. I earned my Bachelor of Business Administration from Sam Houston State University and completed the Leadership Waco program. Outside of my role at Extraco Banks, I actively serve on various local boards and committees. I cherish spending time outdoors, whether it's fishing, camping, or simply enjoying moments with my family.

Rick Clark, JD

I'm Rick Clark and I bring over 20 years of private law practice experience to Extraco, specializing in estates, business, and real estate law. With a BBA in Real Estate from Baylor University and a JD from Texas A&M School of Law, I'm also involved in legal associations like the Real Estate, Probate, and Trust Law Section of the State Bar of Texas, and the Waco-McLennan County Bar Association. I'm admitted to practice law in federal courts in the Western District of Texas. Outside of work, I'm committed to community service, volunteering for Lake Air Little League, contributing to the HOT Workforce Development Board, and previously serving as president of the Hedonia Club of Waco. Waco isn't just where I work—it's home. Living here with my wife, Jill, and our children, Tripp and Jackie, we're active members of the First United Methodist Church, cherishing our community ties.

Mark Browning

I'm Mark Browning, a Texas A&M University graduate with a BBA in Finance and a Certified Trust Financial Advisor accredited by the American Banker’s Association. With over twenty-five years of experience, my expertise lies in trust administration, investments, and management, particularly in non-profit endowments. Previously, I spent a decade assisting families with charitable giving options at a major university foundation. Currently, I contribute to the Somerville I.S.D. Education Foundation and Voices for Children in Bryan, TX, while also chairing the scholarship committee at the Bryan Rotary Club. My wife, Nancy, and I reside in College Station, actively participating in St. Andrews Episcopal Church and enjoying leisure activities such as traveling and attending college sporting events.

Bank Branch
  • Curbside Delivery
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  • Home Loans Specialists
  • Spanish Speaking

4189 Texas 6 Frontage Rd
College Station, TX 77845
United States

979.823.8810
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Hours Today:9:00 am - 4:00 pm
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Hours Today:8:30 am - 5:00 pm

Bank Branch
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  • Home Loans Specialists
  • Safe Deposit Box
  • Saturday Hours
  • Spanish Speaking

200 Hewitt Drive
Waco, TX 76712
United States

254.761.2000
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Hours Today:9:00 am - 5:00 pm
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Hours Today:8:00 am - 5:30 pm

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605 S. University Parks Drive
Waco, TX 76705
United States

254.761.2000
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Hours Today:9:00 am - 4:30 pm
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Hours Today:9:00 am - 5:00 pm

Bank Branch
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  • Online Appointment Scheduling
  • Saturday Hours (Drive-Thru Only)

1002 W. Central Texas Expy
Killeen, TX 76541
United States

254.200.3600
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Hours Today:9:00 am - 4:00 pm
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Hours Today:8:00 am - 6:00 pm

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100 West Central Texas Expressway
Harker Heights, TX 76548
United States

254.200.3600
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Hours Today:9:00 am - 4:00 pm
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Hours Today:8:00 am - 6:00 pm

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  • Spanish Speaking

1208 E. Main Street
Hamilton, TX 76531
United States

254.386.8937
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Hours Today:9:00 am - 4:00 pm
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Hours Today:8:00 am - 5:00 pm

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2501 TX-36 Bus
Gatesville, TX 76528
United States

254.774.5500
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Hours Today:9:00 am - 4:00 pm
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Hours Today:8:00 am - 5:30 pm

Is a VA loan right for you?

Extraco Mortgage wants to help our Veterans, Active Duty Military and Surviving Spouses get the mortgage loan they have earned. A VA loan is a mortgage loan that is guaranteed by the Veterans Administration. It is different from a Conventional loan and a FHA loan in several ways.

How to Help Your Teenager Build Credit

Credit is the ultimate catch-22. To get credit, you must have a credit history. Young people wanting to establish themselves financially often find themselves in this conundrum. They've never had a credit card, haven't purchased their own vehicle and are not a home-owner. In other words, they're invisible to the credit bureaus. 

Creating a Budget

A budget will help you understand your spending patterns and gain better control over your money. Creating one helps you understand where you spend your money and discover areas where you can save.

Benefits of a Living Trust

There are many benefits to creating a living trust. Here are the top three: 1. Avoid probate at death. Including multiple probates, if you own other property in another state. 2. It provides maximum privacy. 3. It can reduce or completely eliminate estate taxes.

Borrower Responsibilities

When you take out a loan, you enter into a legal contract with the lender. This contract makes you liable to repay the obligation as set forth in your loan agreement.

Reviewing Loan Applications

When you apply for a loan at Extraco, we review your application information to help determine your credit worthiness. Key considerations: 1. Your credit score tells us your past performance in meeting your financial obligations. 2. Your credit report shows stability as well as borrowing behaviors.

Insurance Premium Changes

Your premium is likely to change each time you renew your insurance. This is because premiums are affected by many factors, including the cost of doing business and changes to the way risk is assessed. Sometimes premiums increase across the board because your level of risk has increased.

How Insurance Premiums are Calculated

There isn't a "one size fits all" formula to calculate a premium or price for each person who wants to cover risks on something valuable to them. Insurers refer to known data when they make these decisions. Insurers also look at age, sex and claims history.

The Reasons People Buy Insurance

Read to learn the six reasons why most people buy insurance. One reason is to protect something purchased that has a high value, such as a house, car, jewelry, etc.

How Insurance Works

Insurance can help you financially recover if a risk should damage the things you value. Insurance can't prevent something from going wrong, but it can help protect you and your assets from the financial risk if something does happen.

How to Improve Your Credit Score

Your credit score is a three-digit number which helps lenders determine the risk of lending you money. If you aren’t getting approved for credit cards or loans, you may need to improve your credit score. Building your credit isn’t a speedy process, but there are several things you can do to start paving the way to a better credit score.