Mortgage Loans 

We know that buying, selling, or building a home can be an exciting time. A home is more than just a structure; it is a dream, a future, and memories for you and your family. Here at Peach State Bank, you will find mortgage specialists who are friendly and knowledgeable. Let us help you finance the perfect home for your family's needs.  

Types of Home Loans We Provide 

Whether you are purchasing or refinancing your personal residence, second home or 1-4 family investment property, we offer a variety of mortgage options, one of which should meet your mortgage needs. Some of the mortgage loans we offer are: 

Conventional Mortgage 

Conventional mortgage loans at Peach State Bank can be both Fixed and Adjustable (ARM) Rates up to $766,550. To be approved for a conventional mortgage, you will need solid credit and be able to make a down payment. For more information or to see if you qualify for a conventional mortgage with Peach State Bank, reach out to one of our friendly mortgage specialists today.  

Jumbo Mortgage 

Peach State Bank offers both Fixed and Adjustable (ARM) Rates on amounts up to $3,000,000 with our Jumbo Mortgage plan. For high-cost properties, a jumbo loan provides a way to consolidate a mortgage with competitive interest rates and terms. Considering a Jumbo Mortgage to purchase a new property? Talk with one of our experienced mortgage specialist to determine the best mortgage option for you.   

FHA Loans 

FHA Loans provide an excellent opportunity for first-time buyers or those with minimal financial history. These loans offer low down payments and relaxed credit standards as compared to conventional mortgages. Whether you’re buying your first home or need help qualifying with less-than-perfect credit history, speak with a Peach State Bank mortgage specialist to see if an FHA mortgage loan is right for you.  

VA Home Loans 

For military members and their families, VA mortgage loans offer low or no down payments and relaxed credit standards as compared to conventional loans. If you are a former or current military member buying a new home, speak with one of our Peach State Bank mortgage lenders to find out if a VA home loan will work for you.  

USDA Home Loan 

USDA mortgage loans offer low down payments and relaxed credit standards for low to moderate income families in rural areas. Get more information and find out if you qualify by speaking with one of our mortgage lenders today! 

Home Equity Loan 

Also known as a reverse mortgage, a home equity loan allows you to borrow a lump sum against your mortgage. At Peach State Bank, borrowers ages 62 and above can convert the equity they have in their home to cash. Reach out to one of our loan officers today to get more information or apply today! 

Reverse Mortgage Calculator

Calculating Your Mortgage Payment 

Considering applying for a mortgage but don’t know how much your monthly payment might be? Explore your options using our easy, online mortgage calculator.  

Mortgage Calculator 

Contact a Mortgage Specialist 

If you are not sure what you qualify for or already know exactly what you want, contact one of our experienced mortgage specialists. We offer in-person appointments at our convenient Peach State Bank Gainesville and Braselton locations, or you can apply online today by clicking the link below any of our experienced mortgage specialists’ profiles. Check out the Mortgage Documentation Checklist for a list of documents you will need to get started.