Farmers Bank & Trust Mortgage

Farmers Bank & Trust Mortgage ⁣• Originated & Serviced by Farmers Bank & Trust
• Locations in AR, NE TX, & OK
• NMLS Certified Let’s talk! Want more information about Farmers Bank & Trust?

Buying a home is the single biggest investment most people make, and it’s our job to help homebuyers through the process to enjoy the rewards of homeownership. We also understand that when it comes to home buying, buyers have unique goals, which is why we offer flexible terms and rates to meet your individual needs. With our online application center, we can pre-qualify in less than 20 minutes! We

offer online resources https://myfarmers.mortgagewebcenter.com/Resources with rates and fee information, access to your online application, and calculators to help you gauge your monthly payments. Email us at [email protected] or call 855-855-3268. Visit https://www.myfarmers.bank

Please feel free to visit, call, or e-mail us today. We put our customers first and are dedicated to serving the banking needs of our community and beyond. To Us, You’re Family. Please send us comments, questions or suggestions by e-mail. E-mail or social media messages are not considered secure and should not be used for banking. For additional support, email [email protected] or call 855-855-3268. Member FDIC | Equal Housing Lender

26 years in the mortgage industry boils down to a few essential truths that can help you when buying a home.👇Here is a q...
06/12/2026

26 years in the mortgage industry boils down to a few essential truths that can help you when buying a home.👇

Here is a quick breakdown of expert advice from our very own Nicole Raley, Vice President of Mortgage Operations, and a little bit of an inside scoop on her✨:

The 20% Down Myth is Busted 🚫
"That you have to have 20% down to finance a home. We have programs for as low as 3.5% down and government, income-qualifying programs that do not require a down payment."

The "Hidden Gem" Strategy 💎
"I think a 'hidden gem' that is not utilized as often as it should is paying discount points to permanently buy down your rate. You can often times, in negotiation, ask for seller concessions to pay these discount points."

Built on 26 Years of Experience 💼
"I started as a receptionist for a mortgage department while I was in college. Working in mortgage, I became interested as I was also going through milestones, graduating college, getting married, and buying our first home. I decided to make a career out of it and learned all areas of mortgage. 26 years later, I am still in Mortgage and I came to Farmers 14 years ago to start the Secondary Market Mortgage department for the bank."

❤️ Her favorite part of the job?
"Our Mortgage Team and working with them every day to help customers with all of their mortgage needs."

📚 🎬 Off the clock:
"I think most of my friends would say I am a movie buff, but I also enjoy a good book when I have time. I am currently reading 'Remarkably Bright Creatures'."

Have questions about down payment assistance or buying down your rate? Call Nicole at (903) 255-1821 to connect with her and the Farmers team today! 🔑

Looking to make energy-efficient upgrades to your home? 🏡💡From insulation and windows to other qualifying improvements, ...
06/08/2026

Looking to make energy-efficient upgrades to your home? 🏡💡

From insulation and windows to other qualifying improvements, refinance options may help make your home goals possible.

📞 Contact our Farmers Bank & Trust Mortgage team to learn more!

Don’t let a flashy low-interest rate distract you from the fine print! While the Rate determines your monthly payment, t...
06/04/2026

Don’t let a flashy low-interest rate distract you from the fine print! While the Rate determines your monthly payment, the APR tells the whole story.

Some lenders use a low rate to get you in the door, then add fees later. Comparing APRs is the easiest way to make sure you’re getting a fair, transparent deal.

At Farmers Bank & Trust, we’re big on transparency. If you want a clear, no-surprises look at your rates, reach out to our mortgage team today! 🗝️

Whether you’ve outgrown your current space or you’re finally ready to stop renting and start building equity, your "next...
05/28/2026

Whether you’ve outgrown your current space or you’re finally ready to stop renting and start building equity, your "next chapter" is closer than you think.

Is it your turn to unlock the door? Contact a Farmers Bank & Trust lender today to see what’s possible! 🗝️

Not every lender understands ITIN borrowers; we do. If you file taxes with an Individual Taxpayer Identification Number ...
05/20/2026

Not every lender understands ITIN borrowers; we do.
If you file taxes with an Individual Taxpayer Identification Number (ITIN), we offer loan programs with flexible income documentation, including bank statements, 1099s, and more.

Homeownership isn’t out of reach.
Find Out What’s Possible, Contact a Lender Today 📞

Qualify based on Cash Flow, not just paperwork.If you run your own business, your income might not fit traditional mortg...
05/14/2026

Qualify based on Cash Flow, not just paperwork.
If you run your own business, your income might not fit traditional mortgage guidelines. A Bank Statement Loan might be an option for you.

All you need to start:
✓ Bank Statements
✓ Profit & Loss Statement
✓ Letter from a CPA

To see if you qualify, talk to a Lender today!

Empowered women empower communities. 💙We were proud to attend the Texarkana Chamber of Commerce Women in Business event ...
05/06/2026

Empowered women empower communities. 💙

We were proud to attend the Texarkana Chamber of Commerce Women in Business event alongside so many inspiring local leaders. The day was filled with encouragement, meaningful conversations, and valuable insight from women making an impact across our community.

Grateful for the opportunity to connect, learn, and support one another… and excited to continue cheering on the women leading the way in Texarkana!

🏡 Your dream home starts with the right team.At Farmers Bank & Trust Mortgage, we offer competitive rates with the homet...
05/06/2026

🏡 Your dream home starts with the right team.

At Farmers Bank & Trust Mortgage, we offer competitive rates with the hometown care you deserve. Jade, Nicole, and Kim are here to guide you every step of the way.

📲Contact the team that is committed to making your homeownership journey as smooth as possible.

Looking to invest in U.S. real estate but don’t live here?Our Foreign National Loan programs are designed specifically f...
04/27/2026

Looking to invest in U.S. real estate but don’t live here?
Our Foreign National Loan programs are designed specifically for non-U.S. residents purchasing:
🏡 Second Homes
📈 Investment Properties

Your U.S. investment Starts Here.

To learn more, talk to a Lender today!

One of the biggest challenges for many homebuyers is saving for a down payment.Down payment assistance programs may be a...
04/16/2026

One of the biggest challenges for many homebuyers is saving for a down payment.

Down payment assistance programs may be available for qualifying borrowers and can help bridge the gap to homeownership, in some cases up to 5%.

Options may include:
✔Repayable assistance: paid monthly like a loan
✔Forgivable assistance: no monthly payment, forgiven over time (if requirements are met)

Two options. One goal: helping you move closer to homeownership. 🏡

Contact our Farmers Bank & Trust mortgage team to see if this may be the right option for you!

Address

2900 St. Michael Drive
Texarkana, TX
75503

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