Mortgages

Take the first step in your home buying journey by pre-qualifying for a mortgage. This initial evaluation will help you determine how much house you can afford, based on your unique financial situation.

• No application fee
• No mortgage commitment
• Convenient online application
• Pre-qualification valid for up to 60-days
  

With a Fixed Rate First Mortgage, you'll enjoy options that fit with your life, including low down payment and flexible terms.

• No underwriting fees
• Lower origination fees
• Low down payment options
• Flexible terms available

Buying your first home is one of life's big milestones. Unlock the opportunity with a loan made to help with this accomplishment.

• Financing up to 100% for eligible first-time homebuyers*
• Lender paid mortgage insurance
• Gift funds accepted as a down payment
• Flexible fixed and adjustable-rate terms

Not sure if it's your forever home? This short-term lending option comes with all the flexibility you need, plus the lowest possible interest rate.

• A lower qualifying rate, which allows for increased buying power
• Ability to keep payments lower during the early years of their loan
• Ideal for buyers that plan to move or pay off the mortgage within the next 7 to 10 years
• Buyers that expect their household income to increase significantly in the coming years

Looking to buy a high-end home or refinance a property that requires financing above the conventional limits? Our Jumbo Loan offers competitive rates and the ability to finance your ultimate dream home.

• Conventional rates on loan amount up to $2,500,000
• Loan amounts up to $5,000,000
• Available for primary and second homes
• Variety of adjustable and fixed-rate options
• Competitive rates and low closing costs
• First and second combination loans available

FHA loans allow buyers to overcome some of the biggest hurdles in buying a home, and allow them to become homeowners sooner rather than later. 

• Lower down payment requirements
• Flexible credit qualifications
• Competitive interest rates
• Flexible terms available

You've dedicated so much to your country, you deserve to come home to a place that has everything you want and need. The added benefit of little to no down payment required and competitive interest rates makes it that much more attainable.

• Financing up to 100%**
• No private mortgage insurance
• Competitive interest rates
• No pre-payment penalties

Get back to nature and build that home of your dreams in the countryside with no down payment required.

• No down payment required
• Flexible credit requirements
• Competitive interest rates
• Low monthly mortgage insurance
• Multiple loan terms available

Manufactured homes consist of factory-built homes that have been engineered and constructed in accordance with the federal building code administered by the U.S. Department of Housing and Urban Development (HUD).

• Purchase or limited cash out
• Minimum down payment required
• Limit to financing in Georgia only

Thinking of taking on the task of building your perfect dream home? Then our land/lot loan is the perfect avenue for you!

• Minimum down payment required
• Multiple loan terms available