Loans Mortgage Loans
We know how important it is to offer you a wide variety of mortgage loan options that fit your needs. Regardless of whether you are buying a new home, remodeling your present home, refinancing, or building, we have plenty of options with features like:
• Quick Closings
• Competitive Rates
• Special Credit Union Pricing for PMI
• Low Closing Costs
• No Georgia Intangible Taxes*
• .75% Origination**
Mortgage Programs include:
Affordable First- First Time Home Buyer's Program allows you to finance up to 95% of the home's appraised value or purchase price (whichever is less) with waived fees and reduced closing costs. All Affordable First Mortgages feature a money-saving 1/2% Origination fee.
Fixed Rate Mortgages- Fixed Rate Mortgages allow you to finance up to 95% of the home's appraised value or purchase price (whichever is less) with terms up to 30 years.
Adjustable Rate Mortgages- The low rate is fixed for the first portion of the loan term, and then becomes adjustable annually.
VA Mortgages- For those who qualify; our VA Mortgages feature competitive rates and no down payments.
FHA Mortgages - The Federal Housing Administration (FHA) Program is designed to promote home ownership.
Construction Loans- Finance up to 85% acquisition cost at an adjustable 9-month term rate.
Land Loans- 5-year fixed, 12-Year/2-Step or Balloon Mortgage options for land purchases. All of our Land Loans feature low down payments.
Use our free mortgage calculator to determine a payment you can afford, or apply for a mortgage loan today with our online application. Our mortgage checklist will ensure you have everything you need to start the application process.
* Intangible taxes are exempt only on conventional loans.
** Some exclusions apply. Ask for details.
Home Mortgage Disclosure Act Notice:
The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849