Personal Loans

Personal Loans

A loan for just about anything – whether you have an unexpected expense or just want to consolidate your debt, these loans provide cash now and offer flexible payments based on your personal situation.

Details

• Loan Amount varies based on credit approval
• Loans may be unsecured or secured with collateral, depending on your credit profile
• Rate varies depending on your credit profile, term, and collateral.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Online Loan Application

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Purchase or Refinance

Whether you are purchasing a home or refinancing your existing home, American Bank will help you find the best loan program to achieve your goals. 

Details

• We offer Conventional, FHA, VA, and USDA loans.
• We offer Jumbo Loans.
• Interest Rate varies depending on loan program, credit profile, property and loan term.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Home Mortgage Application (please include Demographic Addendum)

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Details

• Interest only period while improvements are being completed.
• Rate varies depending on your credit profile, term, and property.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Online Loan Application

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Home Equity

Use the equity in your home to finance a remodel, consolidate debt or finance other big purchases.

Details

• Borrow based on the value of your home, subject to credit approval.
• Rate varies depending on your credit profile, term, and property specifics.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Online Loan Application

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Lot Loans

Looking to purchase a lot for a future home? We can help!

Details

• Interest only payments while you plan your future home.
• Borrow based on the cost/value of your home.
• Rate varies depending on your credit profile, term, and property.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Online Loan Application

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Construction Loans

While some search for their dream house amongst homes already built, others prefer to customize their home from the ground up. American Bank has expert lenders that can guide you through the process.

Details

• Borrow based on the value of your completed home, subject to credit approval.
• Interest only payments while you complete construction.
• Full array of permanent financing options available upon completion.
• Jumbo construction loans available.
• Rate varies depending on your credit profile, term, and home specifics.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Online Loan Application

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Details

• Get pre-approved before you go shopping.
• Rate varies depending on your credit profile, term, and vehicle.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Fill out our Loan Application online

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Recreational Vehicles

Whether you want to say hello to the open road, create your own path, or spend a day out on the water, we want to help you enjoy your day!

RV Details

• Finance new or used RVs.
• Rate and terms vary depending on your credit profile and RV specifics.

Boat Details

• Finance new or used boats.
• Rate and terms vary depending on your credit profile and boat specifics.

ATV Details

• Finance new or used ATVs.
• Rate and terms vary depending on your credit profile and ATV specifics.

How do I apply?

• In person at one of our locations
• Contact one of our Loan Officers
• Fill out our Loan Application online

Please contact us at (254) 412-2000 or email our lending team if you have additional questions or wish to learn more.

Lending Team

Bellmead

• Brad Neimer, Executive Vice President - 254-867-7610; bneimer@ambankwaco.com NMLS #1637903
• Jim Lambert, Senior Vice President - 254-867-7637; jlambert@ambankwaco.com NMLS #452932
• Derrick Sims, Loan Officer - 254-867-7601; dsims@ambankwaco.com; NMLS #1973159

American Plaza

• Dana Hassell, President and CEO – 254-751-8340; dhassell@ambankwaco.com NMLS #452929
• Willard Still, Vice Chairman – 254-751-8301; wstill@ambankwaco.com NMLS #452935
• Kyle Akin, Executive Vice President and Chief Lending Officer – 254-751-8338; kakin@ambankwaco.com NMLS #452927
• Mike Schmidt, Executive Vice President - Lending – 254-751-8321; mschmidt@ambankwaco.com NMLS #452933
• Vicki DeGraw, Vice President, Mortgage Loan Officer – 254-751-8305; vdegraw@ambankwaco.com NMLS #452928
• Scott Snyder, Assistant Vice President, Loan Officer - 254-751-8348; ssnyder@ambankwaco.com NMLS# 2347970
• Haley O'Brien, Loan Officer, Assistant Portfolio Manager, 254-751-8308; hobrien@ambankwaco.com; NMLS #2485302

Downtown

• Nick Deaver, Senior Vice President - 254-751-8362; ndeaver@ambankwaco.com NMLS #1560966