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Telephone:  706-629-6499

Tele Bank:    706-624-0888.

Toll-free:       888-355-6462

Mortgages

Whether you are buying your first home, moving up, downsizing, building your dream home, or refinancing, it is important to select a lender backed by financial strength and stability as well as one who has the experience and ability to handle your  mortgage needs.

Tammy Carter
Office: 706-624-5308
Fax: 706-629-7795
tcarter@ngnb.net

Tammy Carter has the ability, knowledge and integrity to make your entire
loan application process fast and successful.


To obtain your free mortgage prequalification and rate lock, simply complete the
Home Mortgage Application and return to tcarter@ngnb.net; deliver to my
office at 350 West Belmont DR or via fax to 706-629-7795.

 

Here are some of the mortgage products and services you’ll find at North Georgia National Bank.

    • FIXED RATE LOANS - CONFORMING
    • FIXED RATE LOANS - JUMBO
    • ADJUSTABLE RATE LOANS
    • FIRST TIME HOMEBUYER programs available (FHA)
    • USDA – 100% financing available
    • BRIDGE LOANS – when you purchase a new home before your first one is sold
    • CONSTRUCTION LOANS
    • INVESTMENT PROPERTY LOANS (up to 4 units)

Mortgage Process
Suggestion of information and items to gather for your mortgage application meeting:

    • Pay stubs covering the most recent 30-day period
    • W-2’s for the last 2 years
    • If self-employed: 2 years tax returns both personal & business, year-to-date profit & loss statement and balance sheet
    • Most recent 2 months bank statements on all checking, savings accounts, and certificates of deposit
    • Most recent statement on retirement accounts, 401(k), pension plans, stock accounts, mutual funds (if using these funds for closing costs)
    • Residence address past 2 years (landlord address & phone number)
    • Names, addresses, account numbers, balances & monthly payments on all open loans
    • Address of other real estate owned and loan information
    • Address, account number, phone number of mortgage company (if refinance)
    • Copy of separation agreement and final divorce (if applicable)
    • Purchasing - original executed offer to purchase (sales contract)
    • Refinancing - copy of deed

After the applications package is complete, we will then:

      • Order your credit report
      • Have the property appraised (pre-payment of appraisal is required)
      • Verification of employment and deposits

Click here for Home Mortgage Application
Click here for NMLS ID numbers