Mortgages

We understand that buying a home is one of the most important financial decisions of your life. Our Mortgage Team is composed of experienced mortgage professionals committed to providing you with the right mortgage product for your family's unique needs, while providing the best in prompt, friendly, hometown home loan service. There is no better place to borrow money to buy your home than your local community bank.

Whether you are purchasing a new home, refinancing, making home improvements, trying to lower your monthly payment or consolidate debt, our mortgage loans are tailored to meet your needs. We offer:

Home Mortgage Loans

We have a variety of mortgage loans designed to fit your needs with 10, 15, 20 and 30 year terms and a wide range of financing options.

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We offer:

Conventional Mortgage Loans (fixed rate terms ranging from 10 to 30 years)
FHA Loans (low down payment and low interest rates)
VA Loans (available to those with eligible military service)
USDA Loans (helps households with low to moderate incomes purchase safe and affordable homes in rural areas)
Bridge Loans (a short-term loan used to bridge the gap between buying a home and selling your previous one)
Adjustable Rate Mortgages
First-Time Homebuyers Program
100% Financing Programs

Home Equity Loans

If you have built up equity in your home, refinancing your mortgage can be a good way to put those funds toward a multitude of uses and get your monthly expenses in check. Home equity is the positive difference between what is owed on a home and its current value. Tapping into your home’s equity can provide the funds that you need for a large expense with no additional strings attached.

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We offer competitive rates for your financial needs. You can use your home equity loan to:

Consolidate Or Pay Off Debt
Make Home Improvements
Pay For College
Establish An Emergency Fund
Pay For Major Life Events
And More!

Home Equity Line of Credit (HELOC)

A HELOC uses a percentage of your home’s equity to provide a revolving Line Of Credit. With a HELOC, funds are available anytime without reapplying, so you simply apply once, then use the funds repeatedly thereafter.

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A HELOC offers the following benefits:

Easy access to funds
Ability to pay down balance making funds available for use similar to a revolving credit line
You only pay interest on only the funds that are used
The interest may be tax deductible

*The descriptions herein are summaries only and do not include all terms, conditions and exclusions of the Benefits described. Please refer to the actual terms and conditions and/or disclosures for complete details.

Prequalify

Begin your journey for a new home by prequalifying for your home loan. Simply contact one of our mortgage professionals today.

Rome

Karren Green-Holbert NMLS# 537284
(706) 378-5311 / karren.green@fncbank.com

Cheryl Brannon NMLS# 1536728
(706) 378-5307 / cheryl.brannon@fncbank.com

Dalton

Alan Smith NMLS #1617224
(706) 278-5626 / alan.smith@fncbank.com

Marla Zuspan NMLS #603121
(706) 483-3811 / marla.zuspan@fncbank.com

Easton Ridley NMLS #2229124
(706) 483-4216 / easton.ridley@fncbank.com

Calhoun

Anthony Gallman NMLS #2232071
(706) 264-6941 / anthony.gallman@fncbank.com

Mortgage calculators

To view our Mortgage Calculators view our calculators page.

Calculators

Home Loan Tool Kit

The Consumer Financial Protection Bureau (CFPB) has provided a Home Loan Tool Kit which provides a step-by-step guide to home buying or borrowing for a home loan.