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Mortgage Programs

Fixed Rate Mortgages- Designed to save conventional borrowers money; our 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. All with an affordable fixed rate.

VA Mortgages- One of the best deals for those who qualify; our VA Mortgages feature competitive rates and no down payments.

Affordable First- First Time Home Buyer’s Program to help you achieve the American Dream! Our Affordable First Mortgage 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.

FHA Mortgages - The Federal Housing Administration (FHA) Program is designed to promote home ownership. FHA loans are ideal for first-time buyers because they help overcome the biggest stumbling block to ownership; the down payment. FHA loans are also beneficial for buyers with less-than-perfect credit.

Balloon Mortgages- We offer Balloon Mortgages to supply a flexible financing option. Our Balloon Mortgages feature a
60-month term with up to a 30-year amortization.

Construction Loans- To help build the home of your dreams- Construction Loans. Finance up to 85% acquisition cost at an adjustable 9-month term rate.

Adjustable Rate Mortgages- The low rate is fixed for the first portion of the loan term, and then becomes adjustable annually. Choose from one, three, or five-year programs.

12-Year/2-Step Mortgage- Our 12-Year/2-Step Mortgage gives you flexible financing options. There is a one-time rate adjustment over the life of the loan after the initial six years of the loan.

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.

* 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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