By Katie Agness

SouthStar Bank specializes in residential mortgages, commercial real estate and construction lending. Including its newest branch in Georgetown opening in July 2018, SouthStar Bank operates 15 full-service branches across the Central Texas region.

One of the largest independent banks in Texas, SouthStar Bank has been serving the Austin community for more than 20 years. “Soon, our Austin footprint will include six full-service branches from Georgetown to Dripping Springs,” says Brent Gibbs, EVP and chief lending officer for SouthStar Bank. “One of the things I most appreciate is that each location is unique – we want to emphasize a personal level of service that fits the surrounding community. SouthStar Bank lenders live, work and play in these communities, building lasting relationships with local REALTORS and their clients.

SouthStar Bank provides a variety of services, from conventional and unconventional home mortgages to SBA loans to commercial real estate lending. “Traditional loans are easy and of course we love those, but at many mortgage companies, when your client doesn’t qualify, you have to start all over,” Gibbs says. “Time is valuable, which is especially true for the hot Austin market. Our broad range of products, flexible terms and quick responses give you the best odds of closing.”

To meet these needs, SouthStar Bank’s portfolio loans provide solutions for borrowers and unique properties that may not fit the strict criteria of the secondary market, including those who are self-employed, retired, starting a new job or recovering from an unexpected life event. Additionally, they are experts in construction lending, so whether a client is selecting the perfect lot, building a new home, or both, SouthStar Bank can provide the solution they need to get started.

Because of the variety of service and product offerings, SouthStar Bank caters to a broad range of clients—from first-time home buyers to retired clients purchasing their getaway retreat to investors. “We serve borrowers through a diverse range of products including conventional loans, portfolio loans, jumbo loans, FHA, VA, USDA, and renovation loans,” Gibbs says.

To ensure SouthStar Bank clients have a quality experience, Gibbs says they strive to get to know their clients as individuals to find the mortgage products that work best for their situation. “Brent Gibb’s team at SouthStar Bank are some of the best in the business,” says Steve Mallett, team leader/broker associate for Mallett Integrity Team Real Estate, Keller Williams Realty. “They become an extension of my company, treating my clients with respect and professionalism. I never hesitate to send a deal to SouthStar Bank because I know a top notch lender will be working on it.”

For the SouthStar Bank team, they understand that communication is key. “We attribute our success to a time-honored methodology: be responsive and be available,” says Gibbs. “It’s no secret that Austin is booming. Timing is everything in real estate, and it’s important to have a responsive lender that can listen to your client, move quickly and get you to the closing table.”

Jana Birdwell, senior vice president and REALTOR associate for Kuper Sotheby’s International Realty, says that she enjoys sending her clients to SouthStar Bank due to their quality communication. “The service is undeniable when it comes to a loan process. SouthStar Bank follows through with clients and the communication between all parties is clear,” she says. 

No matter the size or complexity of the project, SouthStar Bank is eager to help. “I’ve worked with SouthStar Bank to finance several high-end residential projects. From our first call through the final draw, they consistently make the process easy and straight forward – even when the project is not,” says Marvin Sommerfeld, president of Sommerfeld Construction. “The professionals at SouthStar Bank clearly understand builders and their needs, and deliver as promised.” 

Gibbs adds, “Qualifying for a traditional mortgage is tough. SouthStar Bank offers more than your typical home loan – our flexible, common-sense lenders are dedicated to finding a way to make your client’s dream home a reality.”  RL