I Make The Process Simple & Convenient

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Apply For A Loan

Using the online loan application, you can complete your application whenever it's convenient for you. And, you can always save your work and come back and complete it later if you need to.


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Get A Loan Quote

I can guide you to the right loan amount and best program for you. Based on standard lender guidelines, I'll get you a good idea of what kind of terms and loan program you can expect to benefit most from.

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When To Refinance

I'll guide you through the process to improve your interest rate and monthly payment. I can even help you pay down your balance more quickly for a comparable monthly payment.


Need to Refinance?

I'm here to help.

Even though it may seem like it sometimes, there are not as many loan options as there are borrowers! I can help you select the loan program that will fit your situation the best. There are several questions to ask yourself as you review your options.

Call me today at 254-953-3800 or email nancyr@fsbcentex.com.

Refinancing Options
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Nancy Romfh

First State Bank Central Texas

I will treat you with the respect due an esteemed customer and give you the personal service you deserve. I understand the big commitment you are making in buying a home, refinancing a mortgage, or cashing out your home equity. So we make a commitment to you: I will help you qualify, apply and be approved for the ideal mortgage for you.

Call me today at 254-953-3800 or email nancyr@fsbcentex.com.

Contact Me

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Today's Rates

Mtg Loan Rate APR
30-yr Fixed 4.02% 4.15%
15-yr Fixed 3.27% 3.44%
1-yr Adj 2.74% 3.4%
* national averages