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Global One Bank offers a variety of loan products …. from personal to business.  

Whether you need financing for a home, auto, business, farming, agriculture, personal, you’ll find that Global One Bank can help serve your needs.  We have extensive experience working with the diverse needs of our clients.  We are proud that our entire loan process, from start to finish, is in-house, so we have quick turnaround times and stellar service. All loans are subject to credit underwriting and approval. Loan rates and terms will vary with loan requests.


 

Better mortgage rate

Business Banking

We are proud to support the growth of businesses in our community and beyond.  Our business clients range from restaurant owners to farmers, from machine shops to industrial manufacturers and more.  We offer business loans (including real estate and non-real estate loans), checking accounts, and other business Banking services to support your growing needs.

Personal loan. Calculator, dollar bills and pen.

Personal Loans

Global One Bank offers competitive rates on both secured and unsecured personal loans. A personal loan can be used for a variety of reasons.  Personal loans are often used to help cover immediate expenses or fund an unexpected expense.

  • secured personal loanrequires the use of collateral.
  • An unsecured personal loandoes not require the use of collateral.  Unsecured loans typically have a higher interest rate than a secured loan.
For consumer loans we work towards a 2-to-7-day turnaround from a completed credit application (includes supporting information). Once the lender has received a completed application the credit underwriting will be completed. The turnaround times include completion of credit underwriting, credit approval, loan preparation, processing, closing and funding.

Approved mortgage application

Mortgage Loans

At Global One Bank, we understand the importance and pride in owning your own home.  We also understand that the home loan process can feel a bit overwhelming.  With Global One Bank, you can put your mind at ease.  Our experienced and knowledgeable lending staff will take you through the process step by step and in a hassle-free way.  Because our entire loan process happens in-house, we are proud to offer you exceptional service, every step of the way, even after you have closed on your home. We offer competitive rates and several different loan products, in order to best meet your needs. Whether you are looking to purchase a new or existing home, the land to build your home on or want to refinance, we have a program to serve your needs.

laptop for budget, insurance and savings

Conventional Loans

  • Fixed Rate Mortgages
  • Adjustable Rate Mortgages – Loan is fixed for an initial period and adjusts after that initial fixed period.
  • Mortgage Refinances – Refinancing can be a great way to obtain a better term, obtain a lower interest rate or lower your monthly payment.
For our conventional mortgage loans and business loans, we work towards a 45-day turnaround time from a completed credit application (includes completed supporting information). Once the lender has received a completed application the credit underwriting will be completed. The turnaround times include completion of credit underwriting, credit approval, loan preparation, processing, closing and funding.  

A real estate agent introduces clients to a home layout with contract documents and a laptop and dollar bill on the table. Customers interested in purchasing a home sign their signature to complete a home purchase contract.

Home Equity Loans

A home equity loan gives you the ability to take a loan on your home.  If you are looking to:

  • remodel,
  • pay medical expenses,
  • pay for education, or
  • take a vacation
The equity you have built in your home can be a significant borrowing tool and can be put to good use.  Just like a traditional mortgage loan, you’ll have a fixed monthly payment, with set terms.

Attractive woman with red hair is sitting in her car with the key in her hands.

Vehicle Loans

We can help you finance your new or used auto.  We will customize the loan for you, with monthly payments that fit your budget.  We also offer car refinances, to help lower your monthly payment.

  • Purchasing a new vehicle
  • Auto refinance
For consumer loans we work towards a 2-to-7-day turnaround from a completed credit application (includes supporting information). Once the lender has received a completed application the credit underwriting will be completed. The turnaround times include completion of credit underwriting, credit approval, loan preparation, processing, closing and funding.

Real estate broker showing office space to clients

Commercial Real Estate Loans

We can provide a loan and help you through the process of obtaining financing or refinancing your owner-occupied and non-owner occupied commercial real estate. Our community bankers work with you to devise a plan that aligns with your business goals and future plans.

  • Industrial/Warehouse
  • Small Office and Retail
  • Manufacturing
  • Multi-family
  • Hotel-motel
  • Residential

Asian female florist, owner of small business flower shop, working with laptop against flowers and plants. Checking stocks, taking customer orders, selling products online. Daily routine of running a small business

SBA Loans

As a small business owner, you’ve got advantages in adaptability and agility that larger businesses can’t match. SBA loans are more flexible, covering a wide range of loans for different purposes, from real estate and equipment purchases to working capital and partner buyouts. SBA loans offer more attractive collateral terms and lower down payments as well. As an SBA preferred lender, we know the value of building strong relationships and providing exceptional customer service to help you obtain the SBA loan that aligns with your business needs. Contact a member of our SBA team at 832-261-4235 for more information.

Every farm needs a tractor

Other Loans and Services

Global One Bank also offers the following additional loan products: As a traditional, rural, and independent Bank, Global One Bank is proud to offer farmers and ranchers in our community, loans that can help assist with their farming, ranching and agricultural needs. Agricultural Production Loans – Agricultural financing is primarily used for the facilitation of crops, including for:

  • Costs associated with raising and harvesting a crop, from start to finish, including water well and irrigation development.
  • Operating Ranch or Farm
Farm & Ranch Loans – A farm & ranch loan can be used for a variety of purposes including:
  • Purchasing farm land
  • Purchasing farm equipment
  • Improvements on a farm/ranch
  • Purchasing livestock
  • Water well & irrigation development


Loan Disclosures: All loans are subject to credit approval. For current rates, to discuss your specific loan needs, or to request a credit application and what the required minimum information to complete an application is, please contact a member of our lending group at (832)-261-4235.