*APR = Annual Percentage Rate. Conventional (conforming) rate.

**The State of Georgia Intangible Recording Tax is imposed at $3 per thousand based upon the amount of the loan. Example: A property financed for $550,000.00 would incur a $1,650 State of Georgia Intangible Recording Tax.

Rates are indications for 45 day lock-ins on single-family, owner-occupied properties with a loan-to-value ratio of 80% or less, for the applications filed using our Online Loan Application.

Please call for duplexes, second homes, or unusual circumstances. Currently, we offer State of GA purchase financing for primary and secondary/vacation homes only. We offer cash-out refinances but for a State of GA primary residence only. Currently, we do not offer mortgage financing for out of the State of GA or investment property financing. Please note that rates, applicable discount points, and closing costs may change without notice. Call your Loan Officer if you have questions. Loans must be in our system in order to lock. Rates are subject to change at any time. Qualification is based on an assessment of individual creditworthiness and our underwriting standards. Rates above are based on a borrower with a credit score of 720 or higher.