At First National Bank of Decatur County, we understand that buying a home is one of the most important purchases that you will make and along with that comes a lot of questions. Let our experienced staff of mortgage lenders sit down with you and answer those quesions that you have.

There are many types of mortgages designed to meet your financial and timeline needs: fixed rate, adjustable rate, FHA, USDA, et al. Each type is designed to help a particular borrower; come in today and talk to us about which loan will work for your situation and let us be "Your Kind of Bank".

Adjustable Rate Mortgages (ARMs)

Adjustable Rate Mortgages are designed to provide a lower initial interest rate to borrowers that is subject to change in relation to a preset benchmark. This could result in lower monthly payments if national interest rates stay steady or decline during the life of the loan; payments could also fluctuate higher during the lifetime of this loan as well. Some key questions to consider:

  • Is my income enough—or likely to rise enough—to cover higher mortgage payments if interest rates go up?
  • Will I be taking on other sizable debts, such as a loan for a car or school tuition, in the near future?
  • How long do I plan to own this home? (If you plan to sell soon, rising interest rates may not pose the problem they do if you plan to own the house for a long time.)
  • Do I plan to make any additional payments or pay the loan off early?

Come in and let our experienced team explain the benefits of this type of loan for your situation and match you up with the best possible outcome for you and your family!

Fixed-Rate Mortgages

Fixed-Rate Mortgages have a preset interest rate that will stay the same for the life of the loan. Customers can set a payment within their spending preference by choosing the length of the amortization (with shorter loan lives producing higher payments per period).

Balloon Mortgages

Balloon mortgages are short term (5 to 7 years) fixed-rate mortgage loans that allow the customer to fixed payments during the amortization period and balance of the loan at maturity. This type of loan is ideal for persons that anticipate living in their home for 5 years or fewer. Let our team of lenders explain the benefits of this type of loan and match our products to your needs!

FHA Mortgages

Are you a single parent, recent college graduate, or unable to afford a down payment? You may want to consider a FHA loan. FHA mortgages are especially well-suited to meet the needs of borrowers who need to finance more than 80 percent of their home’s purchase price or appraised value. Our team can help explain how you can get pre-approved for this type of loan and work with you to find the home of your dreams.

USDA Mortgages

"The United States Department of Agriculture (USDA) created the USDA Rural Development Guaranteed Housing Loan as a means to improve the livelihood of rural Americans.

Through this program, those who reside in what the USDA refers to as a “rural area” can reap the benefits of zero money down, 100% financing and access to highly competitive mortgage rates." ©

Check with our mortgage department to see if you qualify for an USDA loan.


Online Pre-Qualification Form

NMLS #412217

Kristy Cox

Kristy Cox
NMLS #1164722

P. O. Box 10, Bainbridge, Georgia 39818
Business Phone: 229-377-3543
Cell Phone: 229-516-0912


Marybell Hernandez
Marybell Hernandez

NMLS# 1450336

26 South Main Street, Moultrie, GA 31768