We’ll walk you through the mortgage process step-by-step — right up to your new front door.
Key Features
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Competitive Rates
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Customized Terms
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Local Decision-Making
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Friendly Service
Details
- Competitive rates for home purchase, refinance, or construction
- Available for primary residence, second homes, vacation homes, or investment properties
- Flexible terms customized to your unique situation
- A wide range of financing programs available:
- Conventional mortgages
- Adjustable rate mortgages (ARMs)
- USDA Rural Housing Loans
- FHA Loans
- VA Loans
- First-time homebuyer specials
- Helpful loan advisors with working knowledge of the local real estate market
- Pre-approval available for extra confidence when it comes to securing financing
- Refinance your current home to potentially lower your rate
- Fast decision-making and processing from locals you can trust
- Friendly, attentive service
"Interactions with First Port City Bank have been nothing but superb. We originally approached FPCB in need of a home mortgage loan. Not only were we approved for the mortgage loan, but they also approved us for a home improvement loan. The simplicity and efficiency in the approval process was astounding. They discussed several different options, educated us on the differences, and allowed us to negotiate in a pressure-free environment. We couldn't have asked for a better experience from a local community bank. We, without reservation, would recommend First Port City Bank to anyone."
Drs. Jason & Mandy Moye
Construction Loans
- Competitive rates for your home construction project
- Provides more convenience, especially toward the end of the construction phase and the beginning of permanent mortgage
- Pay off interest quicker; payments are interest-only during construction phase
- Payments are made on the amount drawn on your loan sufficient to pay your builder
- Construction draws applied in stages based on work completed
- Fast decision-making and processing from locals you can trust
- Friendly, attentive service right here in South Georgia