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Mortgage Services

Whether you are purchasing your first home, building, or refinancing, you need a lender who can offer you the terms and payment options you need and the service you deserve.  At FNBCC, our Mortgage area works one-on-one with you to determine the right solution for your unique situation. 

With mortgage rates at historic lows, there has never been a better time to purchase a new home or refinance the one you already own. Below you will find our residential mortgage application as well as a document checklist, which will show you all the items needed to start your purchase or refinance today!

Residential Mortgage Application
Mortgage Document Check-list

Benefits of using FNBCC:

  • Personalized Service
  • Locally-owned bank/Local Decisions
  • Competitive Rates
  • Quick Response Time
  • Free Pre-Qualification

Loan Types

We work with you to determine the best loan program and terms based on your needs, income, and credit situation. Some of the options include:

  • Conventional/Fixed Rate
  • VA/FHA
  • In House
  • Lot & Construction
  • Home Equity Lines of Credit
  • Cash-Out Refinances
  • Rural Development
  • Bridge/Balloon Loans
  • Single Pay Loans
  • Interest Only

Mortgage Calculators

Contact Us

If you would like further details on any of our mortgage loan offerings or current mortgage rates, please feel free to call (912) 384-1100 or email us. Someone will contact you within one business day to answer any questions you may have.

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