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Personal Mortgages Personal Checking

Bringing Texans Home Family Owned. Texas Proud.

Mortgage Loans Opening Doors Easy, Everyday Checking Accounts

With flexible options and local lenders by your side, we take the stress out of the process and put you closer to your dream home. Banking That's

Generations of trust backed by local guidance.

Traditional IRA Or Roth?

Purchase Or Refinance With Confidence Understand The Difference & Choose Your Fit

From first homes to forever homes, we'll help you get there. Both IRAs help you save for retirement, but they work differently. Here’s a quick look at how each one is designed, so you can make the choice that’s right for you.*

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Conventional Mortgage Loan Traditional IRA

First Bank Texas offers flexible conventional loans designed to fit your budget and lifestyle. Choose between fixed or adjustable rates, with terms that work for purchases or refinances. With local decisions and personal guidance, it's our most popular choice for reliable home financing.
Contributions

Contributions may be tax-deductible now, lowering your taxable income for the year.

 

Withdrawals

Withdrawals in retirement are taxed as ordinary income.

 

Age Limits

You can contribute as long as you have earned income, up to annual IRS limits. Required minimum distributions (RMDs) begin at age 73.
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FHA Loan Traditional IRA

First Bank Texas makes homeownership more accessible with lower down payments and flexible credit requirements. Qualify with as little as 3.5% down, with the option for family or friends to help cover upfront costs. It’s a trusted choice for first-time buyers and those looking for a fresh start.
Contributions

Contributions may be tax-deductible now, lowering your taxable income for the year.

 

Withdrawals

Withdrawals in retirement are taxed as ordinary income.

 

Age Limits

You can contribute as long as you have earned income, up to annual IRS limits. Required minimum distributions (RMDs) begin at age 73.
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VA Loan Traditional IRA

We proudly serve veterans, active-duty service members, and military families with VA loans—requiring no down payment. They also feature lower interest rates and no private mortgage insurance. With limited closing costs, you can save more as you put down roots.
Contributions

Contributions may be tax-deductible now, lowering your taxable income for the year.

 

Withdrawals

Withdrawals in retirement are taxed as ordinary income.

 

Age Limits

You can contribute as long as you have earned income, up to annual IRS limits. Required minimum distributions (RMDs) begin at age 73.
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Refinance Traditional IRA

First Bank Texas can help you reshape your mortgage to fit your life. Competitive rates make it easier to save money. Flexible loan options give you room to adjust your payments or term. And with local lenders by your side, refinancing your home is a simple, supportive process.
Contributions

Contributions may be tax-deductible now, lowering your taxable income for the year.

 

Withdrawals

Withdrawals in retirement are taxed as ordinary income.

 

Age Limits

You can contribute as long as you have earned income, up to annual IRS limits. Required minimum distributions (RMDs) begin at age 73.

Map Out Your Payments Tools To Help You Grow

Use our calculators to see how much home you can afford. Learn, Plan, And Bank Smarter

Ready To Take The Next Step? Let's Talk,

Connect With Us Neighbor To Neighbor

Have questions or need help getting started? Our team is here to help. Reach out to First Bank Texas today.

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Routing Number: 111901988 Routing Number: 111901988

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First Bank Texas is your local community bank that offers a range of personal and business banking solutions including savings and checking accounts, individual retirement accounts (IRAs), VA loans, mortgages, commercial loans, agriculture lending, working capital loans, real estate loans and much more. Bank online, with our mobile app or visit one of our conveniently located North Texas locations in the Greater Abilene, West Fort Worth and Grapevine areas.

First Bank Texas is your local community bank that offers a range of personal and business banking solutions including savings and checking accounts, individual retirement accounts (IRAs), VA loans, mortgages, commercial loans, agriculture lending, working capital loans, real estate loans and much more. Bank online, with our mobile app or visit one of our conveniently located North Texas locations in the Greater Abilene, West Fort Worth and Grapevine areas.

 

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