NMLS# 781789

At Century Bank of Georgia, we truly understand the value of a mortgage loan request, whether it involves a primary residence, second home, or a rental property. As a community bank, we provide a level of personal service that is sorely needed for such a key decision as a home purchase or a mortgage loan refinance. We also offer years of mortgage industry experience to ensure that your financial needs are met, utilizing highly competitive rates and an array of mortgage products to maximize your savings. Consider Century Bank of Georgia as your advocate and partner in this all-important process.

Our mortgage experts know how to get you the most competitive rates with a financing plan that fits you and your family's needs. Start planning for the future with a home that will work for you — and your wallet — for years to come.

  • Competitively low rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of terms customized to your unique situation — see "Financing Programs" tab
  • Helpful loan advisors with working knowledge of the North Georgia home market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Quick, local decision-making in the North Georgia area
Financing Programs

We offer a wide variety of financing programs to fit you and your family's needs:

Conventional Fixed-Rate Mortgage

Features & Benefits

  • Offers a fixed interest rate until maturity
  • Stable monthly payments during the entire loan life.

Conventional Adjustable-Rate Mortgage (ARM)

Features & Benefits

  • Offers a lower initial interest rate than a fixed-rate mortgage.
  • After a defined initial period, the interest rate adjusts to current market rates at the time of initial maturity.
  • Most ARM products include interest rate caps to prevent drastic rate changes during the loan life.

Federal Housing Administration (FHA) Loan

Features & Benefits

  • This is a government-backed loan.
  • Is popular with many first-time homebuyers as it requires a smaller down payment than the conventional loan product

USDA Rural Development Loan

Features & Benefits

  • This is a government-backed loan targeted for first-time homebuyers.
  • It offers a 100% loan option and allows closing costs to be rolled into the loan in certain cases.
  • Eligible properties must be in less-populated areas, and household income limits are imposed on this loan product.

Veterans Affairs (VA) Loan

Features & Benefits

  • This is a government-backed loan that allows 100% financing to qualified military veterans currently on active duty or honorably discharged, unmarried spouses of deceased veterans whose deaths were service related, and the spouses of MIA's and POW's.