Hometown Roots, Home Lending Heart
HOMETOWN PARTNER SPOTLIGHT
Buying a home is one of the biggest decisions a person will ever make, and in the Ark-La-Tex, more and more buyers are choosing to make that decision with a team they already trust. The mortgage department at Farmers Bank & Trust has built a reputation on personal service, local knowledge, and a genuine investment in the communities it calls home, and the results speak for themselves. The bank has been voted Best Bank by the Texarkana Gazette, Four States Living Magazine, and ALT Magazine, a recognition that reflects not just the institution, but the people behind it.
Nicole Raley leads the Texarkana mortgage team with a steady hand and years of experience navigating every kind of lending scenario the region offers. Her approach is straightforward: find the mortgage that fits the borrower's life, not the other way around. Whether a client is purchasing their first home with a thousand questions, refinancing to simplify their finances, or exploring flexible lending options for a unique situation, Nicole brings calm, knowledgeable guidance that makes the process feel manageable. Under her leadership, the department has become a go-to resource for buyers across Bowie and Miller counties and beyond.
Jade Evans and Kim Holcomb round out the team with the same dedication to getting it right. Their combined expertise spans the full range of the home-lending process, from pre-qualification through closing day, and their familiarity with the local market gives clients a real edge. They understand that behind every loan file is a family making a major life decision, and they take that seriously. Clients consistently find that reaching Jade or Kim means reaching someone who knows their name, knows their file, and genuinely wants to see the deal come together.
What sets this team apart from national lenders and online platforms is simple: they are here. They live in this community, work in this community, and understand the nuances of the Ark-La-Tex market in a way that no call center ever could. When timelines get tight or questions come up, clients are not waiting on hold or navigating an automated system. They are talking to a neighbor.
Farmers Bank & Trust also backs its mortgage team with the tools and technology that today's buyers expect. Clients can apply online through the Mortgage Center, get pre-qualified at their own pace, and access a full resource library to help them prepare for every stage of the process. Combined with four Texarkana branch locations and extended banking hours through the MyFarmers iTeller, getting started has never been easier.
From first-time buyers to seasoned homeowners ready for their next chapter, Nicole, Jade, and Kim are ready to help the Ark-La-Tex find a way home.
To connect with the Farmers Bank & Trust Mortgage Department, visit any of their four Texarkana locations or start your application today at myfarmers.mortgagewebcenter.com.
Farmers Bank & Trust
2900 St. Michael Drive
Texarkana, Texas
903-791-0490
myfarmers.bank
