Finding the right mortgage that will save you the most money and provide you with the best terms can often be confusing. Our experienced Mortgage Originators will guide you through your options, helping you make the right decision.

Below are a few of the mortgage types we offer. Call us today to discuss the choices that are available to you at 706.739.1780 in Augusta, 912.355.9902 in Savannah, or 803.649.4240 in South Carolina.



Conventional mortgages typically offer fixed rates, fixed terms, and offer fixed principal and interest paymentsómaking it an excellent choice for budgeting. However, conventional mortgages usually require larger down payments than FHA or VA loans.

 FHA (Federal Housing Administration)

FHA mortgages are partially guaranteed by FHA and typically offer lower down payments, making it perfect for first-time homebuyers. However, it requires the buyer to carry mortgage insurance through FHA to insure the loan for the lender.

 VA (Veterans Administration)

VA loans offer excellent rates and terms, and normally do not require a down payment. So, if you are a member of the armed forces, active duty military, a veteran, or a veteranís widow, this may be the perfect option for you.

 ARM (Adjustable Rate Mortgages)

An ARM typically offers favorable rates, flexible terms, and affordable payments. This mortgage may be the solution for those who know their income will rise in the future or donít plan to own the home for a long period of time.

 Fixed Rate Mortgage

Buying a home can be overwhelming. With this loan, youíll enjoy peace of mind knowing your principal and interest payments will remain the same throughout the life of the loan. Its length is flexible based on your needs, and there is no penalty for early repayment.

 Construction Loan

When a loan is needed to build your dream home, we can work with individuals and builders to make funds available until the construction is complete. During construction, you only pay interest on the amount outstanding. At the time of completion, the loan can be refinanced into a permanent mortgage.

 Unimproved Real Estate Loan

Designed for the purchase of a building lot or land, this loan offers flexible financing terms and adjustable rates to meet almost any budget.

 HELOC (Home Equity Line of Credit)

A HELOC is as flexible as you need it to be, offering variable terms and variable rates. You can borrow from the equity built up in your home for a variety of reasons such as home improvements, vacations, or unexpected emergencies, and the interest may be tax deductible (consult with your tax advisor).




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These results are approximate and are intended for your information only; they are not an endorsement or offering. The accuracy of the results is not guaranteed by this bank and is only meant to be an approximate guideline.

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