You First in Recovery


First Financial Bank Is proud to stand with our neighbors in Southeast Texas, and offer special recovery programs to help rebuild from the flooding caused by Imelda.

Home Improvement - Recovery Program

  • Up to 90% financing using "as repaired" home value
  • No out of pocket costs
  • Simplified draw process Ability to assist in obtaining tax returns and W2 forms for those who lost these items in the storm
  • 5 to 15-year terms available.


Auto Loans - Recovery Program

  • Financing up to 60 months
  • First two payments deferred
  • Rates as low as 2.99% APR on 2016 or newer year models


Flood Relief Loan Program

This loan program will be available to anyone who has suffered damage to their personal property or homes or who has been displaced due to flooding. Below is an outline of this loan program:

Loan Amount: up to $15,000•

Interest Rate: Fixed - 5.00% APR

Terms: 24 months

Payments: 2 Months No Payments followed by 24 Month payment plan

Collateral: Secured or Unsecured**

*Loan amount determined based on normal underwriting criteria **collateral requirements determined based on creditworthiness. The subject Flood Relief Loan Program will be offered immediately and will be open to all flood victims who submit loan applications before December 31, 2019.

For any of these programs, please call Lani White at 409-221-6182 or Jessica Boudreaux at 409-783-2556


Flooded Home Purchase Program

  • Down Payments as low as 3.5%
  • Maximum Loan Amount of $250,000
  • 6 Month Construction Period for Repairs
  • Up to 30 Years Permanent Financing

Certain qualifications apply • Minimum Credit Score 640 • Eligible Property Type is 1-2 unit primary residence.

Call to speak to a Cindi Lachance at 409-221-6143.


Loan Payment Deferrals Plan

Customers can call 409-221-6105 to speak to a bank representative about deferring their loan payments for 2 months.

Click here to find a location near you.


Our Loan Officers are ready to Put You First!

Orange Main:

Commercial Lending:

Joe Love - 409-221-6104 NMLS# 402826

Curt Leger - 409-221-6123 NMLS# 402825

Consumer Lending:

Lani White - 409-221-6182 NMLS# 614811

Mortgage Officers:

Cindi LaChance - 409-221-6143 NMLS# 402823

Drenda Fruge - 409-221-6994 NMLS# 402819​


Beaumont Branch:

Commercial Lending:

Robert Kocot - 409-600-6452 NMLS# 1146674

Connie Browning - 409-600-6450 NMLS# 1352425

TJ Lingle - 409-622-6451 NMLS# 1085030

Treasury Management - Sarah Coffey 409-883-8114


Vidor Branch:

Commercial Lending:

James Wright - 409-783-6181 NMLS# 595298

Consumer Lending:

Jessica Boudreaux - 409-783-2556 NMLS# 1592301


Mid County Branch:

Commercial Lending:

Blaine Caillier - 409-736-5955 NMLS# 1146807

Davis LeJeune - 409-736-5952 NMLS# 1446126

Mortgage Officer:

Lani White - 409-221-6182 NMLS# 614811

Mortgage Officers:

Lisa Coffey - 409-736-5954 NMLS# 402815