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Coronavirus COVID-19 Readiness

Both the Kemp and Seven Points lobbies are open during normal hours.  Please continue to use the drive-thru whenever possible and wear a mask if you need to come inside.

Association Lending Services

Even the best managed properties may need financing at one time or another. First National Bank of Kemp offers loans to help meet maintenance, improvement, and development needs for condominium and homeowner’s associations in amounts up to $2,000,000. Decisions are offered quickly with expedited underwriting on all requests up to $1,000,000. Loans to Condominium Associations or HOAs provide individual unit owners the ability to pay reasonable monthly assessments, while allowing the Association to complete projects immediately, without depleting association reserves.

What we offer:

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  • Terms from 1 to 15 years
  • Loan amounts from $100,000 to $2,000,000
  • Competitive interest rates (fixed and variable)
  • No prepayment penalty to Association unless refinanced by another lender
  • No deposit account requirement
  • Flexible funding – credit line or full, up-front funding
  • Quick decisions – feedback offered within a few business days of receiving requested information

Financing a capital maintenance project is a weighty decision, which is not right for every Association. With our flexible and personal approach, First National Bank of Kemp can help find a solution that works for your Association. If you have any questions about our Community Association loans, please contact us. We are happy to be of service!

For more information, please contact:

Kristen Scott
Assistant Vice President, Association Lending Officer
(903) 340-0905

Business Partner Community Associations Institute

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