Business Details
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Welcome to First Horizon Bank - located in Lafayette. Since 1864, we’ve been a bank you can count on. Our financial foundation is so steady you can build a house on it. Mortgage loan included. Our commitment to you has won some pretty big awards. Like Forbes World’s Best Banks. Stop by today and tap into local decision-makers who actually get where you’re coming from. And a go-to banker who is always just a call away.
Details
- Requires appointmentNot available
- Onsite servicesAvailable
- Free parking lotAvailable
- Free street parkingAvailable
Location
First Horizon Bank - Lafayette, LA - 2602 Johnston St
2602 Johnston Street, Lafayette, LA
70503, United States
Hours
Reviews
4.2
25 reviews
5 stars
19
4 stars
1
3 stars0
2 stars0
1 star
5
- MMMichael Munro6 days ago5.0Great bank 🏦
- ANArafat NoorNov 14, 20255.0I want to give a big shout-out to Jalyn for helping me set up my account! She was extremely professional, friendly, and very helpful. She made me feel like part of the family and was very patient throughout the entire process. I would definitely rate her 11/10 for her warm, welcoming attitude. Dawn is a very friendly and exceptionally nice lady! She's always smiling, fun, and ensured that all my transaction needs were met properly. I'll give her 11/10 again for her friendly and helpful nature. The manager, Mandy, was very welcoming. She greeted me and made sure I was satisfied with all my banking needs, answering my questions before I left. I must say, I've never seen a manager who is so smiling, friendly, and radiates such a positive aura. Overall, this branch is fantastic, and I must say they make a wonderful team! Thank you so much, Jalyn, Dawn, and Mandy! You guys are amazing!
- KKKatelynNov 14, 20255.0I had a great experience! Jalyn, Mandy, and Dawn were all incredibly professional, friendly, and so helpful throughout my visit. They made everything quick and easy, and I really appreciate their excellent customer service. Highly recommend!
- GMGail MathisOct 7, 20255.0Mandy, I just wanted to express my deepest gratitude for all of the help you gave to Kyle getting started on his new adventures with credit. Your support and willingness to let him know how important "good credit" is. It's so important as parents to guide our children in the right direction. Your dedication to helping young people understanding their credit was truly inspiring. You are an amazing, knowledgeable person that we can trust!! Thank you so much! You truly are one of a kind Mandy, Gail P. Mathis
- NGNicholas St. GermainJul 10, 20165.0Nice place
Frequently Asked Questions About First Horizon Bank - Lafayette, LA - 2602 Johnston St
What do I need to open a personal checking account?
$50 minimum opening deposit
Social Security number
Date of birth
Personal identification such as a driver’s license, passport, state or government-issued ID
Can I open a personal checking account online?
Yes. Alternatively, you can visit one of our banking centers to apply in person.
Is there a limit on the number of transactions I can make with a personal checking account?
No, there is no limit on the number of transactions.
What are the first steps in the home buying process?
The first steps include assessing your financial situation, getting pre-qualified for a mortgage, and determining your budget. It's also important to start researching neighborhoods and listing your home preferences. First Horizon's mortgage specialists can guide you through these initial steps.
How long does it take to buy a home?
The home buying process typically takes between 30 to 60 days from making an offer to closing. This timeline can vary based on factors such as market conditions, the efficiency of your lender, and the specifics of the transaction.
What is mortgage prequalification and why is it important?
Mortgage prequalification involves a lender reviewing your financial information to determine your loan eligibility and providing a prequalified letter. This letter strengthens your offer on a home by showing sellers you are a serious and qualified buyer.
What types of mortgage loans are available through First Horizon?
First Horizon offers a variety of mortgage loans, including fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans. Each type has different benefits to suit diverse financial needs.
Can First Horizon help with financing for first-time homebuyers?
Yes, First Horizon offers several programs designed to assist first-time homebuyers, including FHA loans and other options with lower down payment requirements. Our mortgage specialists can help you explore these programs and find the best fit for your needs.
How do I know if mortgage loan refinancing is right for me?
Refinancing may be beneficial if current interest rates are lower than your existing rate, if you want to switch from an adjustable-rate mortgage to a fixed-rate mortgage, or if you need to tap into your home’s equity. Our mortgage specialists can help you evaluate your situation.
What types of small business loans do you offer?
There are many different types of small business loans available, including small business term loans, lines of credit and real estate loans. Talk to a banker today to review your options.
What are the qualifications for a small business loan?
The loan requirements for a small business loan will vary, depending on the loan type and other factors. Here are some things to consider when applying:
Business Plan: Craft a thorough business plan outlining your goals, market analysis, financial projections, and how the loan will be utilized. A well-prepared plan demonstrates your business's viability.
Loan Purpose: Clearly articulate the purpose of the loan and how it will benefit your business. Whether it's for expansion, equipment purchase, working capital or other needs, provide specific details to support your application.
Collateral: Some loans require collateral. If your loan requires collateral, be prepared to offer assets such as real estate, equipment or inventory.
Credit History: Your personal and business credit scores play a significant role. Aim for good scores to enhance your eligibility.
Cash Flow: Lenders assess your business's cash flow to determine your ability to repay the loan. Positive cash flow and consistent revenue are essential indicators of financial stability.
Industry Experience: Your industry expertise and a track record of success can help strengthen your application.
Debt-to-Income Ratio: Lenders evaluate your debt-to-income ratio to gauge your ability to manage additional debt payments. Maintaining a healthy ratio improves your chances of loan approval.
Legal Compliance: Ensure your business complies with all legal and regulatory requirements, including licenses, permits and registrations.
Relationship with Lender: Building a positive relationship with your lender can be advantageous. Regular communication and responsible financial management can help expedite the process.
How long does it take to get a small business loan?
As soon as you recognize the need for funds and can gather the necessary documentation, contact your banker to get the process started. The length of the loan application process is dependent on the complexity of the loan.
What are the drive-through banking hours at First Horizon Bank - Lafayette?
The drive-through is open Monday through Friday from 9:00 AM to 5:00 PM and is closed on weekends.
What do I need to open a personal checking account at First Horizon Bank?
You'll need a $50 minimum opening deposit, your Social Security number, date of birth, and a personal ID such as a driver's license or passport.
Can I open a personal checking account online with First Horizon Bank?
Yes, you can open a personal checking account online or visit one of the banking centers to apply in person.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate mortgages, adjustable-rate mortgages (ARMs), FHA loans, VA loans, and jumbo loans to suit various financial needs.
Does First Horizon Bank have mobile banking options?
Yes, First Horizon offers mobile banking apps available on both iOS and Android platforms for convenient access to banking services.
What small business loan options are available at First Horizon Bank?
They offer small business term loans, lines of credit, and real estate loans. You can talk to a banker to review your options.
Is there onsite parking available at the First Horizon Bank - Lafayette branch?
Yes, the branch offers free onsite parking including parking lot, street, and parking garage options.
What banking services are offered at First Horizon Bank - Lafayette?
Services include personal and business banking, mortgage loans, small business and commercial lending, digital and mobile banking, wealth management, and financial planning.
What nearby dining options can I visit after banking at First Horizon Bank on Johnston Street?
Nearby restaurants include 2 Paul's Radically Urban BBQ, China One, Poké Geaux, Pot and Paddle Jambalaya Kitchen, Crumbl - Johnston Street, Soup Man, and Ms. BÁNh MÌ for a variety of cuisines.
Which nearby businesses might be useful for visitors to First Horizon Bank in Lafayette?
You can visit nearby stores like Titan Audio Video for electronics, GNC Live Well for supplements, or relax at beauty salons such as Exotic Nails of Lafay, Kim Douglas Salon, or Delane Nails & Spa.
Are there other financial institutions near First Horizon Bank on Johnston Street?
Yes, nearby banks include IBERIABANK and another First Horizon Bank branch, providing additional financial service options close by.