Deciding to buy or refinance a home is always a big step. And it's very personal.  You don't want a "one size fits all" approach - you need someone you can trust to have your individual needs in mind.  First Lockhart National Bank has been a source of trusted financial advice to folks in Central Texas for more than 120 years.  Our goal is always a long term relationship.  You are never simply a transaction to us.

Home buying can be a source of anxiety and frustration - but financing it doesn't need to be.  The professionals at First Lockhart will help you navigate the process a let you decide the mortgage loan that best fits you.  Less paperwork and more personal attention - from application to closing. 

Refinancing your current mortgage has never been easier and rates have never, ever been better. If you thought refinancing meant getting buried under mountains of paperwork, think again!  Whether you want to lower your payment or pay your mortgage off more quickly, First Lockhart makes it an easy process.  Apply now and put our team to work for you!

Tapping into your home equity is also easier than ever. You've been paying down your balance, and perhaps your property value has gone up. Tap into that wealth and reward yourself or restructure your debts into a more manageable basket. We can help with the choosing best program to fit your goals.

Use our website to learn more or to get started.  The application process can be handled entirely online, and you can get a decision without ever setting foot in our offices.  But we would be glad to give you the same high level service face to face!  Visit our headquarters in the Barbecue Capital of Texas, where you can enjoy world famous BBQ restaurants, and see Caldwell County's beautiful historic courthouse.  Of course you can also visit us in our Kyle or New Braunfels locations. 

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