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Bank News

Congratulations Curtis Wren! New Executive Vice President

Congratulations to Curtis Wren on his promotion to Executive Vice President! Curtis has spent the last four decades in banking and finance. He has been with SouthStar Bank for the last eight years, where he has made a significant impact on the Bank’s loan approval process as a Senior Vice President and Chief Credit Officer. In his role, Curtis is responsible for the Credit Administration Group and the administration and maintenance of the Bank’s Lending, Appraisal & Evaluation, and Environmental policies, and the adherence to them in analyzing, underwriting, and approving loans. Prior to his promotion, Curtis was awarded the 2021 President’s Award, which is given to the individual who has made the organization’s strongest contribution over the past year. As Executive Vice President and Chief Credit Officer, Curtis will continue to share his extensive knowledge and experience with the loan officers and credit analysts. “I don’t look at lending just from the viewpoint of the collateral and cash flow,” he says, “I look at lending in the context of the request and as making a smart investment in the people behind the request, and I will continue to share that philosophy.”  A proud member of the Georgetown community, Curtis is involved with several local organizations including Main Street Baptist Church, Ducks Unlimited, and the Coastal Conservation Association. He has also held leadership positions with the Georgetown Rotary Club where he was the Director and the Sargent-at-Arms. In his free time, Curtis enjoys barbecuing, traveling, and spending time with his family and friends, particularly his four grandchildren. Two of  his most significant personal accomplishments are his marriage to wife, Charis, for 38 ½ years and the wonderful family they have raised. A surprising pastime is that he enjoys making renovations to his 1890s home and yard. Member FDIC | Equal Housing Lender | NMLS# 680305

Branch Locator

FDIC – Insured – Backed by the full faith and credit of the U.S. Government Branch Locations Find a SouthStar Bank Branch Near You Looking for an ATM? Click here to find a surcharge-free ATM near you. If you’re searching for a bank near me in Moulton, SouthStar Bank ATM / Debit cardholders can also conduct transactions at any Frost Bank branch ATM at no charge. View the SouthStar Bank Holiday Schedule

Congratulations Amanda Aaron! 2022 Emerging SBA Lender of the Year

Amanda Aaron has been named a 2022 Emerging SBA Lender of the Year by Coleman Publishing, which is a Nationally recognized publication of SBA information to small business bankers. Amanda joined SouthStar Bank in July 2019, bringing in over 15 years of financial experience to the team. Beginning her career in credit and quickly working her way up to a seasoned loan officer, Amanda expertly guides her clients through the entire lending process and makes them feel comfortable in what can seem a daunting endeavor. Amanda is levelheaded, compassionate, and practical when it comes to SBA lending. She takes the time to learn the client’s business and identify the best loan option for their financial needs. Keeping the borrower’s utmost success in mind, she quickly becomes a trusted advisor and partner. With small-town roots, Amanda is passionate about small business and its crucial effect on main street America. This passion drives her ongoing pursuit to be the subject matter expert for all things SBA, even in an ever-changing environment. This was especially crucial during the frenzy of PPP lending where Amanda remained up to date on the latest guidelines. As a valued member of the SouthStar Bank SBA Team, Amanda actively shares her knowledge with new and seasoned loan officers.  Amanda is a member of Commercial Real Estate Women (CREW) and the Central Texas Association of Government Guaranteed Lenders (CTAGGL). Coleman Publishing is the leading provider of information to small business bankers. They produce and distribute training courses, webinars, and newsletters to help assist small business bankers in their lending decisions. Every year Coleman Publishing hosts the SBA Lender Professional Awards to honor SBA lenders and their exceptional contributions to the SBA lending community. Congratulations Amanda! Member FDIC | Equal Housing Lender | NMLS# 1819235

Congratulations Jeff Harris! New Branch Executive

Congratulations to Jeff Harris on his promotion to Branch Executive! Jeff Harris has been promoted to Branch Executive at our Kerrville Branch. In banking since 2017, Jeff specializes in mortgage and consumer lending. A proud US Marine Corps. Veteran, Jeff has a passion for helping his fellow Veterans and families obtain the ultimate goal of homeownership. The values instilled in the USMC have influenced Jeff’s passions, which include active involvement in his community and building strong, trust-based relationships. “I am committed to helping clients achieve their dreams of owning a home; whether they are a first-time homebuyer or a high-net-worth investor, they will experience the same level of professionalism and compassion.,” he says. While Jeff will be taking on a new role, he plans to remain active in his community. Currently, Jeff serves as President for The Rotary Club of Kerrville and sits on the board of The City of Kerrville Planning & Zoning Commission.  He is also the Vice President of the Hill Country Crisis Council, a Director for Together with Hill Country Veterans, and is currently enrolled in Leadership Kerr County Class 36. When he is not working, Jeff loves spending time with his wife Kristy, who is also a Veteran, attending Church, going salt-water fishing, attending symphony concerts, sporting events, and playing golf. Member FDIC | Equal Housing Lender | NMLS# 1678994

Congratulations Amber Gallagher! New CRE Draw Manager

Congratulations to Amber Gallagher on her promotion to CRE Draw Manager! Amber Gallagher was promoted to CRE Draw Manager of the SouthStar Bank Commercial Real Estate Department. In the industry for over 15 years, Amber started as a Personal Banker. Since her transition to lending, she has been instrumental in the closing and servicing of some of the most complex and high-dollar transactions in SouthStar Banks’s portfolio. Amber enjoys working closely with clients on their loan needs and assisting loan officers in carrying out smooth transactions. Her expertise and attention to detail are just two of the many reasons she has been chosen to take over as CRE Draw Manager. She will continue in her role as Vice President and Commercial Loan Closing Coordinator handling a broad range of business, from agriculture and commercial loans to mortgage financing. Amber and her husband enjoy spending time with their kids and watching them grow in their college education pursuit and new adventures. During her time away from the office, Amber and her family enjoy spending time outside on different lakes boating and surfing. Member FDIC | Equal Housing Lender | NMLS# 1691626

Commercial Lending

FDIC – Insured – Backed by the full faith and credit of the U.S. Government Commercial Lending Let our solution-focused team put your business on the road to growth, sustainability, and long-term success. FIND A LENDER “A big bank with a small-town feel. We moved here from Florida and had the best bank on our little island and were so pleased with finding SouthStar Bank when we moved to Texas. They give very personal attention every time we go and remember our names! They give great incentives to the kids savings as well.” ~ Kyle Local and Experienced With over 100 years of commercial lending experience, chances are we can find a solution that works for you. And because we’re local, we understand how regional market dynamics impact your business. This perspective helps us understand your specific situation and provide services based on flexible, common sense criteria that meet your needs. Not only do we live and work in the community – we make decisions here – so you can always count on a timely response to your commercial real estate loan request. Whether you’re expanding, refinancing, or starting fresh, our commercial real estate loan options are designed to help your business grow. Commercial Lending Capabilities Real Estate: Agriculture / Investment / Income / Owner Occupied Development & Construction:  Commercial / Industrial / Residential Facilities:  Infrastructure / Equipment / Remodels Guidance & Credit Lines Livestock Vehicles:  Car  / Truck / Special Purpose SBA 504 / SBA 7(a), USDA For more information or to speak with a business banking lender, call or visit your nearest branch. APPLY NOW Get Started Today! For more information or to speak with a business banking lender, call or visit your nearest branch. Loan Application Apply today for your commercial loan. Speak with a dedicated loan officer who understands local dynamics and can simplify the lending process. Find A Lender

Star Advantage Program

FDIC – Insured – Backed by the full faith and credit of the U.S. Government Star Advantage Program APPLY NOW APLICA AHORA “We could not be happier with our choice to bank with SouthStar. The customer service is truly second to none. If you’re looking for a true Texas bank with the best banking experience you’ll ever get, SouthStar is the one!” ~ Chandra A. Mortgage Solutions for Unique Situations: Investment Property and Portfolio Loans Ever-changing regulations can make it difficult for qualified borrowers to secure a home loan through traditional secondary market programs like Fannie Mae or Freddie Mac. That’s where we really shine. Our investment property loans and portfolio loans are designed for unique situations, providing flexible financing options for investors and homeowners who don’t fit conventional lending guidelines. Whether you’re purchasing a multi-unit property, refinancing an existing investment, or need a custom financing solution, our portfolio loan programs allow you to move forward with confidence while meeting your financial goals. By tailoring each loan to your specific situation, we ensure a smoother approval process and the ability to seize opportunities that standard lending might overlook. Flexible Portfolio Loan Options from Trusted Real Estate Portfolio Lenders At SouthStar Bank, we understand that your financial story is more than just an income statement or credit report. That’s why our portfolio loan solutions provide flexibility, allowing lending decisions to be based on your overall financial picture — not just your past. When you don’t quite meet the strict requirements for a traditional mortgage, our Star Advantage Program offers in-house portfolio loans that help qualified buyers secure the funding they need. As one of the reliable real estate portfolio lenders, we provide solutions for atypical properties, including: Lot Loans and Construction Financing Investment Properties Unique Properties: Green Homes, Barndominiums, Condominiums & More Below are examples of challenges we’ve worked through to make deals happen: Self-employed Retired Starting a new job Recovering from an unexpected life event Recovering from blemished credit, foreclosure or bankruptcy Local Texans From downtown Austin high rises to the Dripping Springs hill country, rivers of New Braunfels and open acreage ranch property, we understand the many appeals of Texas. Our lenders will work to find the mortgage solution for you. APPLY NOW Talk to A Loan Expert Please complete the form below and one of our mortgage lenders will be in touch. For immediate assistance during business hours, please call or visit your

Consumer Lending

FDIC – Insured – Backed by the full faith and credit of the U.S. Government CONSUMER LENDING A Partner You Can Count On – Among the Best Mortgage Lenders in Texas During more than 100 years of lending experience, SouthStar Bank has proudly helped thousands of people achieve their dreams. Whether you’re a first-time homebuyer, building your dream house, purchasing recreational property, or simply need cash for life’s expenses, we stand among the best mortgage lenders in Texas you can count on. Our flexible, common-sense lending approach allows us to tailor solutions that fit your unique needs, offering competitive rates, fair closing costs, and quick in-house decision-making without relying on out-of-state committees. Committed to trust, integrity, and personalized service, SouthStar Bank continues to be recognized as one of the best mortgage lenders in Texas, dedicated to helping you turn your financial goals into lasting success. Get started today! Click here to find a loan officer near you. APPLICATIONS & FORMS ONLINE MORTGAGE APPLICATION Consumer Loans: Mortgages: Star Advantage Program: Home Loans for Unique Situations Traditional Home Loans Interim Construction to Permanent Financing Low Down Payment Options Personal: Non-Recourse IRA Loans Home Equity Home Improvement Equipment Vehicles Farm and Ranch

SBA Loans

FDIC – Insured – Backed by the full faith and credit of the U.S. Government SMALL BUSINESS LOANS (SBAs) YOUR BUSINESS, OUR PRIORITY Allow the experts at SouthStar Bank to guide you through your small business loans and help you achieve your financial success. Contact Our SBA Team SBA Resource Guide Staff is helpful and friendly. We are happy to trust our business with SouthStar Bank. – Austin B. We understand the challenges At SouthStar Bank, we understand the challenges you face as a business owner, and they are anything but small. As a Small Business Administration (SBA) Preferred Lender, we can help your small business thrive and grow with the option that’s right for you through small business loans tailored to your needs. Working for oneself is an appealing option for those with an entrepreneurial spirit. In order to be successful and see growth, an entrepreneur must find the right financial partner to help you remain financially secure. Whether you are planning a startup or expanding current operations, securing small business loans and business financing is a crucial piece of your business plan. One of the best places to start as a business applicant is by learning about SBA loans and how they can support your business goals. Why Choose SouthStar Bank for your SBA Loan? Get your answer fast so you can get on with the next step. Low down payments. Long term loans with low monthly payments keep your overhead low. Work with a team of professionals dedicated to supporting local businesses. APPLY NOW Loan Application Apply today for your commercial loan. Get More Details Please complete the form below and one of our personal bankers will be in touch. Your Local SBA Loan Team Our qualified team is dedicated to supporting local business. They go beyond the standard SBA benefits of lower down payments and longer terms, to build lasting relationships with clients through personal service and quick responses. By understanding local Austin and Central Texas markets and every detail of the loan process, they allow their clients to keep focus on the business. Our focus is on our Central Texas community. Our focus is on our Central Texas community. We take pride in our neighbors and seek to help folks succeed, and work to build relationships for years to come. And, because we’re local, you can rest assured that SouthStar Bank will always be available to discuss your financial goals. We are excited to put your small business on the road to growth, sustainability, and long-term success. Selecting the right lending partner is to put your trust in a financial institution, and we know this can be difficult. It’s important to us that you work with experienced lenders who can answer your questions thoroughly in a way that makes sense. If you have further questions or concerns, or if you’re ready to begin the application process, contact us today! Amanda Aaron, SVP/Credit Officer/SBA Specialist | NMLS# 1819235 Amanda Aaron joined the SouthStar Bank team in July […]

Cash-out Refinance
from SouthStar Bank

  FDIC – Insured – Backed by the full faith and credit of the U.S. Government PUT CASH IN YOUR HAND WITH A CASH-OUT REFINANCE FROM SOUTHSTAR BANK Let the experts at SouthStar Bank help you take control of your financial future with a cash-out refinance. APPLY NOW APLICA AHORA “Everyone I spoke with at SouthStar was very helpful and willing to assist me! I had talked to a couple other banks and not received a good response, so calling SouthStar was such a relief. They were super responsive in getting me an account set up and helping me with a loan. Would definitely recommend using SouthStar!” ~ Kristi H. Are you looking to refinance your mortgage and create a quick influx of cash? Cash-out refinancing is a refinancing option that allows the borrower to receive money by taking out a larger mortgage on their property than their current mortgage. The monetary difference between the two mortgages is converted into cash and made available to the borrower. If you’ve been asking yourself whether a cash-out refi or a home equity loan is a better option for you, read on to inform your decision-making process. How Could a Cash-Out Refinance Help You? Receive cash for major expenses. Consolidate your debt. Reinvest the cash you get back into your home. Shorten your loan term and/or get a lower rate. How Much Can I Cash-Out Refinance? How much you can refinance depends on a few things. One of the biggest components to determining the amount of a cash-out refinance is how much of your home you currently own. To qualify for a cash-out refinance, you need at least 30% home equity. However, the more stake you have invested in your home, the more cash you’re entitled to. The other key component that determines how much money you’re eligible to borrow is the loan to value ratio (LTV) on your home. The LTV is essentially a refinance calculator. The maximum LTV for a cash-out refinance loan is 80%. For example, if your property has an appraised value of $400,000 and you currently have a loan balance of $200,000 (50% LTV), you are eligible for 80% of the $400,000 appraised value, or up to $320,000. This means that you can take $120,000 ($320,000 – $200,000) home from the cash-out refinance. Note* The loan to value ratio is based on the current market conditions of your home and surrounding area. Get More Details Please complete the form below and one of our personal bankers will be in touch. When you need to restructure your finances, the team at SouthStar bank is here to serve you. Our caring professionals excel at finding solutions. It’s all part of honoring our 100-year Texas heritage. If you want to work with lenders who focus on community values and personal relationships, you’ve come to the right place. At SouthStar Bank we strive to make refinancing your home or taking out a home equity loan easy and pleasant! Just contact us today […]

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