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.
Our mortgage loan officers are here, every step of the way. Get started today.
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.
UNIFORM RESIDENTIAL LOAN APPLICATION
- Completed, Signed, and Dated
NOTE: Uniform Residential Loan Application-Additional borrower must be completed given a joint applicant
INCOME
- 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
ASSETS
- 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.)
OTHER ITEMS
- Copy of Driver’s License
PURCHASE DOCUMENTS
- Copy of purchase agreement (fully executed) for the property listed within applicants’ request
- Copy of Earnest Money Check
- Survey of Plat (if applicable)
REFINANCE DOCUMENTS
- 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)
CONSTRUCTION DOCUMENTS
- 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)
HELOC DOCUMENTS
- 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
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.
Home Sweet Home Equity.Unlock the money you need for the projects you want, with a home equity line of credit.
NO FEE
To ApplyWSJ PRIME RATE
Adjusted QuarterlyThe 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.
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
Meet our Mortgage Team
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.
Emily Hall
AVP/Consumer and Mortgage Loan Officer
912-739-5631 W | 912-977-2997 M | NMLS #: 1746367
ehall@tcbga.bank
Angie Hendrix
Senior Loan Officer Assistant
912-739-5647 W | 912-713-3663 M | 912-739-3313 F
ahendrix@tcbga.bank
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Open an Account TodayTerms and Conditions:
- All mortgages are subject to credit approval. Terms and conditional apply. See a loan officer for details.
- 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.