Home Mortgage Loans

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Mortgage Loan Officers

Mortgage Loan Originator
NMLS#

Century Bank of Georgia

715482

Phoebe Benefield

1053820

David H. Caswell

1053821

Richard E. Drews, Jr

1063606

Angela Hammond

781788

Carson McCrary

781789

Tamera Ray

1063607

Amanda Rice

1053822

Saunders Jones, III

1096505

Jay Slaughter

416168

Vickie Sutton

781790

Janet Tinney

1053823

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 (3.50%) than the conventional loan product (5.00%).

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.

Please call one of our mortgage specialists today for more information and current interest rates.