Loans

Did you know?

We’re renewing lines, loans and letters.

Does your banker understand opportunity?

Most times opportunity can’t be adequately described on a loan application with 32 generic questions.

Green Bankers have vision and get it. We’ve done some unusual deals that left the other guys scratching their heads.

And being based here, we’re able to jump in, evaluate and get you an answer immediately.

Is your bank lending money?

Green Bank continues to grow—we were up 59% in 2010.

Bankers make house calls?

Green bankers do. We might not carry a little black bag and a stethoscope, but we’ve been known to go to our clients’ offices or homes when time is tight.

Thinking About Building Green?

We can help you get there.

We've been in your shoes and understand your motivations. Building or re-building a resource-efficient home or office is not an easy task. So you can focus on insulation, the angle of solar screens and reclaiming rainwater, we've developed loan choices that are sustainable.

Green Bankers’ License Numbers

When you talk to a Green Banker about a mortgage, you know you are dealing with a licensed professional who is held to the highest of standards.
See Green Bankers' License Numbers
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Borrowing – and lending – responsibly.

From home mortgages to transportation purchases, to the ordinary expenses of life, there’s an art to borrowing wisely. At Green Bank, we’re doing our part to make sure you have the best options, along with the information and guidance you need. And be sure to ask about our special lending terms for projects that improve your home’s efficiency. 

Home Mortgages

Your house hunting days are over – you’ve found what you’ve been looking for. Now let your private banker at Green Bank set you on the path that leads you home.

Regular Conventional Mortgages

Our conventional mortgages are built on ease. For homes priced up to $417,000, we’ve built a system that emphasizes education and we’re able to guide you through the process.

Green Loans for Green Homes

Green Bank was one of the first in the nation to offer totally paperless accounts. Now we’re granting green loans to Texans who are building or remodeling their homes. What’s a green loan? Glad you asked.

Our “Building Green, Saving Green” mortgage includes an annual reward to customers who’ve built or purchased homes that conform to an Energy Star or LEED-certified level (or higher). Homes completed after January of 2011 are eligible for the reward program. Loans with a principal balance of $600,000 or greater are eligible for annual rewards of $1,000 per year. Loans with a principal balance of between $300,000 and $600,000 are eligible for rewards of $500 per year. The annual reward will be deposited into a Green Money Market Account for the first five years of financing by Green Bank or until the first full year a mortgage balance falls below $300,000. 

Jumbo Loans

Jumbo mortgage loans – which are loans for amounts greater than $417,000 – can make jumbo sense at Green Bank, where we “hold” them rather than selling them into the secondary market. This means your primary contact is still your private banker here, not some anonymous person at a 1-800 number.

Qualified borrowers will discover that Green Bank lending rates are exceptionally competitive.

Moreover, clients who keep higher depository balances with us may receive a discount on a jumbo loan. By maintaining combined depository balances at Green bank of at least 10% of the outstanding mortgage balance, borrowers may qualify for a mortgage rate discount of .30% when program guidelines are met. For details, speak to your Green Banker. Restrictions apply. Participation is subject to Green Bank’s Notice of Requirements for Mortgage Rate Discount.

Home Improvement Loans

Improving your home’s efficiency is not only a kindness to the environment, it can help reduce your expenses. To top it off, Green Bank can help make your home improvement project financially rewarding in other ways.

The RE-Building Green Home Improvement Loan rewards customers who invest in money- and resource-saving remodeling choices for homes and town homes that meet common green standards.

For home improvement loans with a principal balance of $200,000 or more, the owner will receive an annual reward of $500. The annual reward will be deposited into a Green Money Market Account for up to five years. 

Required Improvements Include:

  • HVAC systems of at least a SEER 14 rating
  • Ductwork replaced or insulated to at least an R8 value
  • A programmable thermostat
  • For all new windows, Energy Star-qualified replacement windows
  • A solar, high-efficiency or tankless water heating system. Hot water tanks should use a water heater blanket and all piping within three feet of the heater should be insulated to an R-3 value
  • Energy-Star ratings for replacement appliances
  • Dual-flush toilets recommended when old units are replaced. If old toilets are retained, new toilet tank kits are required
  • Two-gallon-per-minute showerheads
  • Two-gallon-per-minute aerators for lavatory sinks
  • Attic insulation of an R-30 level. Fiberglass, cellulose, whole-wall spray foam, rigid foam board, cotton fiber batt, foil radiant barrier products, recycled denim or other materials are acceptable
  • Compact fluorescent lamps or LED lighting in main living areas and bedrooms

Personal Loans

Our attitude is “yes.” Whether for a new or used vehicle, college, CDs, unsecured loans or something else – we’re here to help. For more information, call 713-316-7007.