Skip to main content Skip to main content

Phishing Scam Alert: Do NOT share your credentials. Texas Gulf Bank will NEVER ask for your Online Password or Text Code


Personal Loans – Home Loans

Whether you are shopping for your first house, improving your current one, or moving on to something even better, Texas Gulf Bank offers a variety of mortgage options to choose from at competitive rates. View our calculators.

Home Equity Loans

A home equity loan allows you to use the equity you have built in your residence as collateral. You can use your home equity to fund one-time expenses and ongoing needs.

  • Total mortgages (existing mortgages plus the home equity loan) cannot exceed 80% of the fair market value of the home
  • Funds are disbursed in one lump sum
  • Fixed-rate payments of principal and interest for the life of the loan
  • A steady repayment schedule
  • Potential tax advantages (Consult your tax advisor regarding your particular situation)
Home Improvement Loans

Keeping your home current and in good working condition not only makes spending time there more enjoyable for your family, it is key to the overall worth of that portion of your nest egg.

  • Flexible terms
  • Fixed interest rates
  • No prepay penalties
Home Mortgages

At Texas Gulf Bank we offer loans that meet almost every mortgage need at competitive rates including:

  • Conventional fixed-rate loans
  • Jumbo
Home Refinancing

Looking to lower your monthly mortgage payment or shorten the term of your loan? Texas Gulf Bank can help you select a refinancing option that’s right for you.

  • Switch to a fixed-mortgage rate
  • Get cash out of your home, based on qualifications
  • Competitive rates
Investment Property Loans

When you’re planning to buy an investment property or second home, Texas Gulf Bank can help you with sound financing information and flexible loan options.

  • Fixed payments
  • Competitive rates
Home Construction/Land Loans

Texas Gulf Bank offers construction and land loans that offer short-term and mini-permanent options to finance your future home.

  • Financing for new construction
  • Buy now, build later
  • Purchase land with scheduled payments

All loans Subject To Credit Approval.

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE ACT)

Texas Gulf Bank is a strong, stable and financially secure community bank that is committed to delivering exceptional service to our clients. One way to help ensure that the highest level of customer service is obtained is to keep you, the customer, informed.

In response to the mortgage crisis and in an effort to help protect consumers, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (The SAFE Act) was established. The SAFE Act is designed to enhance consumer protection and reduce fraud by requiring all Mortgage Loan Originators, as defined by the Act, to be registered through the Nationwide Mortgage Licensing System (NMLS). This registry establishes a database that provides employment background and other pertinent information on all MLOs. The registry is accessible to consumers and assists them in reviewing the credentials of their potential loan officer or other loan production staff that the consumer may be working with.

Consumers may access the Nationwide Mortgage Licensing System (NMLS) via The system allows you to access an MLOs information by various search criteria including name and NMLS ID Number. If you should need more specific information regarding Texas Gulf Bank’s MLOs, please refer to our booklets that are located in each branch lobby or feel free to contact the bank and ask to speak to someone in lending or to one of the SAFE Act administrators.