Business Details
About
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Welcome to First Horizon Bank - located in Metairie. 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 - Metairie, LA - Ridgelake Dr.
2900 Ridgelake Drive, Metairie, LA
70002, United States
Hours
Reviews
4.1
26 reviews
5 stars
19
4 stars
1
3 stars
1
2 stars0
1 star
5
- JJJayneNov 3, 20254.0Not sure, just relocating to the area
- TMtracy mickelsonOct 31, 20255.0What a great company to use for closing. Would highly recommend them and will use them in the future.
- NNNicole NormandOct 30, 20255.0I highly recommend Laine Buquoi and First Horizon. Throughout the entire process, they demonstrated exceptional professionalism and expertise. Every question I had was answered promptly, and they took the time to provide the best options tailored to my situation. The experience was smooth, efficient, and reassuring from start to finish.
- LBLucia BerlinerOct 21, 20255.0Highly recommend working with Kris Schaumburg from the First Horizon team. He is friendly, responsive, and deeply knowledgeable about the loan business. He spent a lot of time with me to help me understand how it all works, which was above and beyond my expectations. Lastly, he was able to lock my interest rate at the perfect moment. I am super grateful and highly recommend Kris!
- DBDonald BerryAug 27, 20255.0Thomas Knapp is great at what he does! Having been through many real estate transactions-this was the smoothest we have ever experienced. Donald Berry Tricia Bushell
Frequently Asked Questions About First Horizon Bank - Metairie, LA - Ridgelake Dr.
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 is the minimum deposit to open a personal checking account at First Horizon Bank - Metairie?
You need a $50 minimum opening deposit along with ID and social security details to open a personal checking account.
Can I open a personal checking account online with First Horizon Bank?
Yes, you can apply for a personal checking account online or visit a banking center in person.
Are there limits on the number of transactions with a personal checking account?
No, there is no limit on the number of transactions you can make with a personal checking account.
What types of mortgage loans are offered by First Horizon Bank in Metairie?
They offer fixed-rate mortgages, adjustable-rate mortgages, FHA loans, VA loans, and jumbo loans to suit different financial needs.
How can First Horizon assist first-time homebuyers?
First Horizon provides programs like FHA loans with lower down payments and mortgage specialists to guide first-time homebuyers.
What are the business hours of First Horizon Bank on Ridgelake Drive?
The bank is open Monday through Thursday from 9:00 AM to 4:00 PM and on Friday from 9:00 AM to 5:00 PM; it is closed on weekends.
What digital and mobile banking services does First Horizon provide?
First Horizon offers mobile banking apps available on iOS and Android, online banking, mobile deposit, bill pay, and other digital banking services.
Is First Horizon Bank - Metairie accessible for customers with disabilities?
Yes, the bank has wheelchair-accessible entrances and offers onsite services to accommodate all customers.
Which nearby financial services are located around First Horizon Bank - Metairie?
Nearby financial services include Holly Callia: IBERIABANK Mortgage, Maria Dazet: First Horizon Mortgage, and IBERIABANK branches, offering additional mortgage and banking options.
How can customers use nearby transportation or services to access First Horizon Bank on Ridgelake Drive?
Customers can easily find First Horizon Bank near local services like IBERIABANK and financial advisors; nearby parking options are free, facilitating convenient visits by car.