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We’ll walk you through the mortgage process step-by-step — right up to your new front door.

Key Features

  • Competitive Rates
  • Customized Terms
  • Local Decision-Making
  • Friendly Service
  • 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

  • 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

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