Personal Mortgage

Nothing says home like TCB!

Whether you are buying, building, remodeling or refinancing a home, we offer mortgage options that are right for you.

Mortgage Products Designed Around You

No matter your goal, we have a way to get you there, check out our mortgage options.

Fixed Rate Mortgage

The monthly principal and interest payments remain the same throughout the life of the loan. Rate remains fixed for the life or term of the loan.

Home Equity Line of Credit (HELOC)

A HELOC is an excellent option for the borrower who wants to utilize the equity they have in their home. Secured by a primary or junior lien on your home.

Adjustable-Rate Mortgage (ARM)

An ARM, also known as a variable-rate mortgage, usually offers a lower introductory rate compared to a fixed-rate loan that lasts until the specified adjustment period. The rate can then adjust up or down over time according to an index.

Construction Loan

Build your dream home. Make interest only payments throughout the construction phase. Upon completion of the construction, up to 12 months, the borrower will choose the permanent mortgage to convert to and begin to pay principal and interest.

TCB Mortgage Offers
TCB Mortgage Offers
TCB Mortgage Offers

Our mortgage loan officers are here, every step of the way. Get started today.

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Application Checklist

The following is a useful listing of some documents you (and any co-applicants) may be asked to provide, depending on your circumstances and the type of mortgage financing you select. Please be aware that additional documentation may be required dependent on your unique situation.

Mortgage Types Offered:


  • Completed, Signed, and Dated
    NOTE: Uniform Residential Loan Application-Additional borrower must be completed given a joint applicant
Download URLA PDF     Download URLA Additional Borrower PDF


  • Salaried or Commissioned/Bonus Borrower(s)
    • One month’s most recent paystubs (Must reflect year-to-date income)
    • Two most recent years’ W-2 forms
    • Two most recent years’ personal tax returns (signed and dated)
  • Self-Employed Borrower(s)
    • Sole Proprietor, Partnership, S-Corp and/or corporate tax returns including all schedules for the two most recent years (signed and dated)
    • Current, signed and dated, year-to-date interim financial statements, including balance sheet and profit and loss statement
  • Additional Income (If applicable)
    • Child Support or Alimony- Final Divorce Decree and/or Legal Separation Papers
    • Social Security/Disability Award Letter and 1099’s
    • Pension/Retirement Statement or Distribution Letter


  • Two most recent statements, either monthly or quarterly (all pages) for ALL savings, checking, money market, investment and/or retirement accounts listed within the application. (If the applicants’ account(s) are with TCB, the loan officer can obtain copies.)


  • Copy of Driver’s License


  • Copy of purchase agreement (fully executed) for the property listed within applicants’ request
  • Copy of Earnest Money Check
  • Survey of Plat (if applicable)


  • Most recent mortgage statement of mortgage being refinanced
  • Most current statement of homeowner’s policy showing the premium, coverage, and renewal date
  • Homeowners’ association documents or contact information (if applicable)


  • Plans/Drawings and Specifications
  • Plat of land (if recently surveyed)
  • Copy of General Contractors Quote and Contract (Providing their contact information)
  • Copy of Builders Risk Insurance Quote
  • Copy of Building permit (if obtained prior)


  • Most recent mortgage statement of mortgage (if applicable)
  • Most current statement of homeowner’s policy showing the premium, coverage, and renewal date

The Mortgage Process

Step 1
Application and Disclosures (1-3 days)

Submit a full application and necessary documents. Within 3 days, the loan officer will contact the applicant and provide a loan estimate featuring estimated closing costs.

Step 2
Loan Submission and Processing (5-15 days)

The loan officer and/or assistant will verify documentation submitted and that the file is complete for underwriting. An appraisal to establish a value and flood certification will be ordered on the real estate of interest.

Step 3
Loan Underwriting (15-20 days)

The loan officer will review applicants’ financial documents and verify the applicant and collateral meets guidelines for final approval.

Step 4
Pre-Closing (3-5 days)

The last details are finalized by the loan officer and the closing attorney. Closing date and time is established.

Step 5
Closing Day (5-7 days)

The borrower will receive a closing disclosure 3 days prior to closing, to review and sign. On the date scheduled, all parties will attend the closing and sign documents to finalize the loan.

Home Sweet Home Equity.Unlock the money you need for the projects you want, with a home equity line of credit.


To Apply


Adjusted Quarterly

The first 10 years of your HELOC are called the draw period. During this period, you may borrow from the HELOC up to your credit limit amount. As you repay your HELOC during the draw period, you may re-borrow up to your credit limit amount.

Current certified appraisal or in-house evaluation required. No mobile homes or modular homes. Permanent site-built owner-occupied dwellings only. Additional terms and conditions apply. See loan officer for details. Annual percentage rate is adjusted quarterly based on the Wall Street Journal Prime Rate.

Housing Counseling Resources

Take advantage of the valuable housing counseling resources offered by community-based organizations, including:

  • Housing counseling
  • Developing a spending plan
  • Long-term management of your money
  • Review of different debt repayment options
For a list of housing counseling agencies approved by the U.S. Department of Housing and Urban Development, call 800-569-4287 or visit

Don't Just Take Our Word For It

See what these actual customers have to say about banking with TCB, and this is just a few

I was not happy with the service from my previous bank; they treated my wife and I like we were just a number and not loyal customers of 30 years. The former president of that bank recommended TCB and said that we would be happy there and that they offer the same hometown courteous friendly service and products we offered. He also said the new head of TCB in Richmond Hill was a great guy, Chris Barr, and we would be pleased with his service. He was right. The service and communication have been spot on. His honesty, integrity and advice has been above reproach. I Whole heartedly endorse TCB and highly recommend anyone considering doing business with them.
Larry Baker
★ ★ ★ ★ ★
It was such a pleasure buying a home through the Claxton Bank. The process was very easy. We were treated like family, the moment we walk through the doors. Customer service was awesome. My loan officer Mrs. Emily Hall was such a pleasure and helpful person through this process. We greatly appreciate everyone and their professional services that was shown to us. Again thank you so much Kay Blocker for your kindness and for introducing us to Emily. Professional service at its best!
Deborah Harris
★ ★ ★ ★ ★

Ready to get started?

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Terms and Conditions:

  1. All mortgages are subject to credit approval. Terms and conditional apply. See a loan officer for details.
  2. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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About Us

  • PO Box 247
    121 West Main Street
    Claxton, GA 30417
  • (912) 739-3322
  • (912) 739-7456
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NMLS ID#: 433743

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