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Loans  Mortgage 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 90% of appraised value at an adjustable 9-month rate.  (terms and conditions apply)

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


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