Loans with local interest

We made our first loan almost 70 years ago. Since then, we've helped thousands of Central Texans improve their lives, from young families planning a home addition to local entrepreneurs managing a growing business - and everything in between.

Our approach to loan customers has remained unchanged over the years: treat people not as a number, but as neighbors who need help reaching a goal or meeting a need. 

Whether you are in the market for a new home, looking to improve your existing home, or just shopping around for a new car for your family – whatever your loan needs, we’ll help make it happen. Explore our loan options below, and click here to meet our team of experienced Lenders. 

  • Home Loans

    If you are looking to build a home, refinance your current mortgage, or you are looking to purchase a new home, we have a variety of home loan options to help you!

    Mini-Perm Mortgage Loans

    A mini-perm mortgage loan is a financing option that can save you thousands of dollars compared to a fixed-rate mortgage. The average American moves 11.7 times in their lifetime. Is it likely that you'll move within 5 to 7 years? If so, a mini-perm loan is a smart option for you.

    Our loan fees are often as little as $600 with no points. Compare that to $3,000 or $4,000 in closing costs for a mortgage through a broker, and you can understand why mini-perms are an affordable and logical option for many home buyers.

    Fixed Rate Mortgage Loans

    Buying or building your dream home and planning to stay for a while? As opposed to the mini-perm loan, the interest on a fixed-rate mortgage loan stays the same throughout the life of the loan. When a fixed-rate loan makes the most sense, CB&T can do that too!

    Interim Construction Loans

    Whether you are purchasing a lot in a subdivision, or acreage out in the country, we can help you as you plan to build your new house. Our residential construction loans provide you with flexible terms, and they can easily convert into a permanent mortgage loan, making this a great option for you and your new home.

    Still not sure which mortgage may be right for you?

    We’re here to help! Contact one of our experienced Loan Officers today for more details.

  • Property Improvement Loans

    Are you planning a renovation project for your home? Whether it’s with a new coat of paint, a major remodel, or even a new addition, a property improvement loan will help make your dreams come true.

    Property Improvement vs. Home Equity Loans

    Property improvement loans are a great option as a loan amount is based on your home’s value after the improvements are made. This loan will also give you more options if you are shopping for a new home because you can look at properties you might not otherwise consider, and make improvements later. Also, the interest on your property improvement loan may be tax deductible.

    Home equity loans (sometimes known as a second mortgage) allows you to borrow against the equity in your home. You can use this loan for anything you wish – including improvements to your home. The rates on home equity loans tend to be significantly lower than rates on credit cards, so this may be a more economical option than paying for what you need with a credit card.

    Which loan is right for you?

    We’re here to help you make the decision! Contact one of our experienced Loan Officers today for more details.

  • Auto Loans

    Shopping for a new or used car? Our auto loans are flexible and convenient with local, fast approval. CB&T makes it easy to accommodate your personal financing needs – we have flexible financing with a variety of terms and payment options.