Home Mortgage Loans

• 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