N Touch Online Banking will be offline for maintenance tonight from 11pm to 2am CST.
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N Touch Online Banking will be offline for maintenance tonight from 11pm to 2am CST.
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Due to inclement weather, all locations in Georgia will close at 5pm on Wednesday, June 13th.
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Home lending on your terms.

We know that buying, remodeling or building a home is about so much more than a mortgage. It’s about having someone to help you navigate the home buying experience. Let us help guide you through each step of the process and find the product that is right for you.

Fixed and Adjustable Rate Mortgages

We offer both fixed and adjustable rate mortgages that can be tailored to fit your needs.

With a fixed rate mortgage, the monthly interest rate and principal payments stay fixed for the term of the loan.

With an adjustable rate mortgage (ARM), the initial interest rate and principal payments are typically lower than a fixed rate mortgage.  

After a specified period (typically one year, three, or five) the interest rate on an ARM is adjusted up or down based on market conditions, which means your monthly payment may increase or decrease over the life of the ARM.

ARMs are usually recommended for borrowers who do not plan to keep the property long term or those who expect rising income over time.

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Home Equity Loans & Lines of Credit

Whether you’re looking to renovate your home, consolidate debt, or invest in education, you may be able to use your home’s equity to help pay for major expenses.

Fixed and variable interest rates options

Varying draw and repayment periods available

No prepayment penalty

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Home Refinancing

From decreasing your monthly payments to lowering your interest rate, there are many reasons why refinancing your existing mortgage could be a great option for you.

Take advantage of lower interest rates

Switch from an adjustable-rate or balloon loan to a fixed-rate loan

Reduce the amount of interest paid over the life of your loan by shortening the term

Pay off your existing mortgage sooner by reducing the term of your loan

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Construction & Construction/Perm Loans

Building or remodeling your dream home brings with it many important decisions. Let us help simplify the finance process so you can focus your attention on the details that will bring your dream to life.

Only one loan application and one closing

Financing available for both primary residences and second homes

Options range from new construction to basic home updates and repairs

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Mortgage Application Checklist

To assist you in your home buying process, we've included a list of documents that you will be required to provide to your Mortgage Loan Officer for underwriting.

Copy of driver’s license for all applicants

Most recent two years’ personal tax returns with all supporting schedules

Most recent year-to-date pay stub covering a 30-day period

Two most recent statements of checking and savings accounts (all pages)

Two most recent statements of investment and retirement accounts (all pages)

Recent mortgage statement

Contact information for your homeowner’s insurance agent

For purchases: Signed purchase contract and realtor contact information

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Note: All mortgages, loans, and lines of credit are subject to credit approval.
Depending upon the loan program you select, more or less documentation may be required for application.
NMLS #514390

Get started today.