NOTICE: Change in Business Hours. Please be advised that there will be a change in our business hours at our Square Branch, located at 400 North Duval Street, Claxton, GA 30417, starting Monday April 3rd, 2023. Please click here to see the new hours. New hours will be: Monday - Thursday 9am to 5pm, Friday 9am to 6pm, and Saturday 8:30am to 1pm. We thank you for your patience and understanding during this transition.
Whether you are buying, building, remodeling or refinancing a home, we offer mortgage options that are right for you.
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.
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.
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.
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.
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.
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.
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.
The loan officer will review applicants’ financial documents and verify the applicant and collateral meets guidelines for final approval.
The last details are finalized by the loan officer and the closing attorney. Closing date and time is established.
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.
NO FEETo Apply
WSJ PRIME RATEAdjusted 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.
Take advantage of the valuable housing counseling resources offered by community-based organizations, including:
Our team is here to help you with all your mortgage needs. We will use our expertise to find the right program for you and to walk you through every step; from pre-qualification to closing.
AVP/Consumer and Mortgage Loan Officer
912-739-5631 W | 912-977-2997 M | NMLS #: 1746367
Senior Loan Officer Assistant
912-739-5647 W | 912-713-3663 M | 912-739-3313 F
Loan Officer Assistant
912-739-5616 W | 912-739-3313 F
Terms and Conditions: