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Southwest Georgia Bank makes it easy to switch your account. Just download our Easy Switch Kit for a step-by-step guide!
We offer a variety of loan options to fit your needs. We can help you navigate the wide variety of mortgage loan programs and terms and find the right loan for you.
Fixed Rate Mortgage
This is the most popular type of mortgage. This type locks in a fixed rate for the life of your loan and offers you the security of a principal and interest payment that stays the same no matter how the market changes.
Government Insured Loans
You may qualify for a FHA, VA, Rural Development or HUD-184 loan and not even know it. These loans offer the lowest possible down payment and may even give assistance to qualified First Time Homebuyers. We are experts in finding the right loan for you. Our Mortgage Team specializes in saving you money.
Adjustable Rate Mortgage
This type of mortgage, commonly referred to as an "ARM", offers the flexibility of adjusting your interest rate according to the market. It takes advantage of current low rates and locks those in for a set period of time. After that initial period, your rate will adjust to current market rates and may be higher or lower than your initial rate.
There are many financial decisions involved in purchasing or refinancing a home. We will help you make the right choice with confidence.