The Right Personal Loan for You.
Ozona National Bank offers a wide range of loan solutions. Whether you need a loan for a specific need or not, our loan department will provide you with the most professional service around.
Access Loan Application
Next to each loan type there is an applicable loan application on
which you can click, print, complete and drop off at the Ozona National Bank location nearest you.
In some cases you may need to provide us with your current and previous year tax returns.
After we have received your application, we will call you to notify you of our decision or to obtain additional information and/or clarification.
Gather Your Information
The amount of information we need varies with the size and purpose of the loan and the type of collateral offered. However, you will usually need to provide:
- Your driver’s license (or other valid photo ID)
- Your Social Security number
- You may be required to provide a Personal Financial Statement
- Detail of how you will use the proceeds of the loan
back to the top
Auto Loan
Here's what you receive with all Ozona National Bank Auto Loans:
Use
- Purchase a new or used automobile
- Pre-approved financing may be arranged before you visit your dealer’s showroom
Rates & Terms
- Vehicle can be financed in various term options, based on year, model and value and typically range from 12-60 months
- 0.25% rate discount with automatic payments from an Ozona National Bank checking or savings account
Loan Amount
- Up to 90% of the purchase price on a new car or up to 80% of the purchase price on used cars
back to the top
Lot Loan
Here's what you receive with all Ozona National Bank Lot Loans:
Use
- Purchase a residential lot
Rates & Terms
- Lots can be financed in various term options and rates can be either fixed or variable
Loan Amount
- Borrow up to 80% of the sales price
back to the top
Interim Construction Loan
Here's what you receive with all Ozona National Bank Interim Construction Loans:
Use
- Financing Construction of a new home
Rates & Terms
- Loans can be financed in various term options and rates can be either fixed or variable
Loan Amount
- 85% of improvement costs – Not to exceed 80% of the market value of the property
back to the top
Mortgage
Here's what you receive with all Ozona National Bank Mortgage Loans:
Use
- Ozona National Bank offers two venues for a wide variety of home loan programs for primary homes, second homes and investment properties.
- In-House – Loan stays with Ozona National Bank for the life of the loan
- Mortgage Department – Financing through secondary options
Rates & Terms
- Loans can be financed in various term options and rates can be either fixed or variable
Loan Types
- Purchase
- Construction
- Construction-Permanent
- Texas Home Equity Loan
back to the top
Mortgage Home Improvement Loan
Here's what you receive with all Ozona National Bank Home Improvement Loans:
Use
- Home improvements done by a licensed contractor (can include landscaping and swimming pool)
Rates & Terms
- Loans can be financed in various term options and rates can be either fixed or variable
- 0.25% rate discount with automatic payments from an Ozona National Bank checking or savings account
Loan Amount
- 100% of your home improvement costs can be financed if the mortgage balance plus the home improvements do not exceed
80% of the market value of the property.
back to the top
Student Loans
Effective May 15, 2008, Ozona National Bank is no longer participating in the Federal Family Education Loan Program (FFELP). We apologize for any inconvenience.
Personal Loan
Here's what you receive with all Ozona National Bank Personal Loans:
Use
- Can be unsecured or secured by acceptable collateral
- Use your loan for anything you choose
Rates & Terms
- Varies, based on loan amount and collateral, if any and typically is a Fixed Interest Rate
Loan Amount
- Varies, based on collateral
Personal Line of Credit
Here's what you receive with all Ozona National Bank Personal Line Of Credit Loans:
Use
- Can be used for overdraft protection for your Ozona National Bank checking account
- Access money when you need it and funds become available again as you make payments
- Use your loan for anything you choose
Rates & Terms
- Varies, based on loan amount and collateral, if any and typically is a Fixed Interest Rate
- Payment amount is based on amount drawn from line
- Advance and pay down using Online Banking, by phone, or in person at any Ozona National Bank location
Loan Amount
- Varies, based on collateral
Home Equity Loan
Here's what you receive with all Ozona National Bank Home Equity Loan:
Use
- If you are a Texas homeowner, you can use the equity in your home for a traditional loan or line of credit, with rates lower than most other types of loans
- Use your Home Equity Loan for anything you choose such as to consolidate high-interest debt
Rates & Terms
- Loans can be financed in various term options and rates can be either fixed or variable
- Has fixed monthly payments
- Competitive interest rates — lower than most other types of loans
- Interest may be tax deductible — consult your tax advisor
- No pre-payment penalties
- Receive the entire amount in a lump sum at closing
back to the top
Home Equity Line of Credit
Here's what you receive with all Ozona National Bank Home Equity Loan:
Use
- If you are a Texas homeowner, you can use the equity in your home for a traditional loan or line of credit, with rates lower than most other types of loans
- Use your HELOC for the flexibility to draw only the money you need, whenever you need it and use for anything you choose
Rates & Terms
- Loans can be financed in various term options and rates can be either fixed or variable. Only pay interest on the amount you use
- Competitive interest rates — lower than most other types of loans
- Interest may be tax deductible — consult your tax advisor
- No pre-payment penalties
- Advance and pay down using Online Banking, by phone, or in person at any Ozona National Bank location
back to the top
