Heritage Bank - Home Mortgage

Heritage Bank
101 N Main St.
Jonesboro, GA 30236
(770) 478-8881
Fax: 678-284-3331

At Heritage Bank, our employees live and work in the communities it serves. We take pride in the fact that we have been in the southern crescent for over 50 years. Whether you are looking to buy a new home or you just want to refinance your existing mortgage for equity or rate reasons, let Heritage Bank handle your mortgage needs.

You can count on our expertise when it comes to the communities in the southern crescent of Atlanta. Why? Because, we have helped with many of the developments within the Clayton, Henry, and Fayette markets. Allow us to help you as you look to purchase your new home in our neighborhood.

Heritage Bank's Home Purchase Process
At Heritage Bank, we know buying a home is one of the largest purchases you'll ever make. That's why our mortgage lenders take the time to ask the right questions in order to understand your unique situation - and what's important to you regarding your home loan. As a part of the home purchase process, we conduct a pre-purchase consultation and explore your current financial condition, needs and desires, long- and short-term financial goals, target monthly payment, and home equity objectives. After the consultation, we will develop a home loan program with the most favorable combination of term, rate, fees and initial investment that fits both your present situation and your future plans. Talk to one of our experienced mortgage loan officers today about how we can help you buy the home of your dreams.

Â©2008 Heritage Bank.

Home Loans
Frequently Asked Questions

Customized Home Loans To Meet Your Needs
Heritage Bank offers a variety of mortgage financing options. One of our loan officers will guide you through the process and help you find the solution that is just right for you.

Fixed-Rate Mortgages

Fixed rate for the term of the loan
Principal and interest payment never change so it is easy to budget each month
A variety of terms available
Well suited for those who plan to be in their home for a long period of time and want to have a payoff plan
Ideal for those on a fixed income

Adjustable Rate Mortgages (ARMs)

Variety of different types of adjustable rate mortgages with fixed-interest payments for one to five years depending on the need
Lower initial payments providing you with more disposable income
Below-market interest rates which helps to keep payment low
Ideal if you plan to sell your home within five years

Government Loans (FHA and VA)

Insured or guaranteed by the Federal Housing Administration or Veterans Administration
Minimum down payment to free up your cash for other purchases or expenses
Relaxed qualifying guidelines
Gift allowed for 100% of down payment
Ideal for first-time homebuyers or qualified veterans

Affordable Housing Programs

Down-payment assistance for qualified homebuyers
Up to 100% financing available
Numerous programs that make it easier than ever to purchase a home

Investment Property Loans

Non-owner occupied properties
Mortgage loans for one- to four-unit properties

Interest Only Loans

Interest-only loans provide the lowest payment possible giving you maximum disposable income each month
Choose from a variety of options with payments that fluctuate as often as once a month or that are fixed for up to five years depending on your preference
Ideal for borrowers with fluctuating income

Piggyback Loans

Make a minimum down payment and avoid private mortgage insurance (PMI) by obtaining a first mortgage loan and a second mortgage "piggyback" loan
Have two mortgage loans with the option of paying off the second mortgage at any time
Choose from a variety of different terms on the second mortgage as well as the first

Call and we will be happy to assist you: