Business Details
About
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Welcome to First Horizon Bank - located in Ruston. 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
- Drive-throughAvailable
- Onsite servicesAvailable
- Free parking lotAvailable
Location
First Horizon Bank - Ruston, LA - N Vienna
400 North Vienna, Ruston, LA
71270, United States
Hours
Reviews
3.0
2 reviews
5 stars
1
4 stars0
3 stars0
2 stars0
1 star
1
- DMDavid McCandlessSep 11, 20245.0Fast and kind customer service from Mrs. Sheridan. Associates have these little rubber duckies out on their desks and my toddler wanted one. Mrs. Sheridan took one from her desk and gave it to my toddler.
- TATracy AApr 1, 20221.0If I could give a zero, I would. Absolutely the most unprofessional people I’ve ever dealt with. A client went there to wire money to our account and two days later it still wasn’t received. He tried calling and was put on hold, so he went there to pick up a “confirmation.” I tried calling them and was put on hold for 15 minutes. I hung up, called again, and was on hold for 10 minutes. So I went there and called on my way because they would be closing in a few minutes at 4:00. I told them I would be there right at 4:00 and to have a manager meet me. I got there at 3:59 and the door was locked. I called and they refused to send a manager and just again put me on hold. The money had not been wired for TWO DAYS on a deal that should have closed. Their completely lack of any responsibility or even cooperation, refusing to even pick up the phone to discuss it, is straight-up disgusting. I will NEVER EVER deal with them again and highly recommend you not waste your time.
Frequently Asked Questions About First Horizon Bank - Ruston, LA - N Vienna
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 regular banking hours for First Horizon Bank in Ruston, LA?
The bank is open Monday to Thursday from 9:00 AM to 4:00 PM, Friday from 9:00 AM to 5:30 PM, and closed on weekends.
What time does the drive-through service operate at First Horizon Bank in Ruston?
Drive-through hours are Monday to Friday from 8:30 AM to 6:00 PM, and closed on weekends.
Can I open a personal checking account online with First Horizon Bank?
Yes, you can open a personal checking account online or visit a banking center to apply in person.
What do I need to open a personal checking account at First Horizon Bank?
You need a $50 minimum deposit, Social Security number, date of birth, and personal identification like a driver's license or passport.
What types of mortgage loans does First Horizon Bank offer?
They offer fixed-rate, adjustable-rate, FHA, VA, and jumbo mortgage loans to suit various financial needs.
Does First Horizon Bank provide assistance for first-time homebuyers?
Yes, they offer programs such as FHA loans and other options with lower down payments to assist first-time homebuyers.
What small business loan options are available at First Horizon Bank?
They offer term loans, lines of credit, and real estate loans among other options; you should consult a banker to review specific choices.
Which nearby banks can customers find around First Horizon Bank in Ruston?
Nearby banks include IBERIABANK, Chase Bank, Origin Bank, Century Next Bank, and Bank Of Ruston, providing various financial services.
Are there any nearby automotive service shops customers can visit near First Horizon Bank?
Yes, nearby automotive services include C & P Autos, O'Reilly Auto Parts, AutoZone, and Barnes Studio which also offers car dealer services.
What local entertainment venues are close to First Horizon Bank that customers might enjoy?
Nearby entertainment venues include The Big House and Meadows Manor, perfect for concerts and event planning.