Home Mortgage Loans

Home Mortgage Loans banner


Key Features

Prime Rates

Prime Rates

Flexible Terms

Flexible Terms

Fast Processing

Fast Processing

Local Service

Local Service


  • Competitively low rates coupled with one on one guidance from an experienced loan officer
  • Customized loan solutions for your new home purchase, rate and term refinance or cash out refinance transactions
  • Available for primary residence, second homes and investment properties
  • A wide range of terms customized to your unique situation including in-house loan options
  • A wide range of financing programs available:
    • Conventional and Jumbo fixed rate loans with terms of 10 to 30 years
    • Adjustable rate mortgages (ARMs) for conventional and Jumbo loans
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • VA Jumbo Loans
    • First-time homebuyer specials
    • Jumbo and special mortgages
    • One time close Construction/Perm Loans
  • Helpful loan advisors with working knowledge of the local real estate market
  • Refinance your current home to potentially lower your rate
  • Fast decision-making and processing from locals you can trust
  • Fair, compassionate service throughout the process

Beginning the Application Process

Let’s Get Things Started

Ensuring your experience is seamless from the start, we have provided a list of information you will need to complete your application.

Personal Information
  • Full Name
  • Social Security Number
  • Date of Birth
Residential History (two years)
Employment and Income History
  • Paycheck stub for the last 30 days
  • W2s and Tax Returns (2 years)
Personal Assets (past two months)
  • Bank account statements from previous two months
  • CDs, IRAs, stock, bonds or other securities intended for down payment use
Personal Debit
  • Any debt not listed on Credit Report

Meet Your Mortgage Lender


Drew Miller

SVP Director of Mortgage

Phone: 912-254-1515

NMLS# 658962



Bobby Lamb

Vice President

Phone: 888-231-8498

NMLS# 798995



Chris Shimkus

Mortgage Loan Originator

Phone: 912-286-8444

NMLS# 628765



Patti Hayes

Mortgage Loan Processor/Mortgage Loan Originator/AVP

Phone: O: 912-530-7418, C: 912-294-2436

NMLS# 797019



Pam K. Jackson

Mortgage Loan Originator/AVP

Phone: O: 912-530-7418, C: 912-532-9380

NMLS# 1415473



Sarah Fargo

Mortgage Loan Originator

Phone: 904-252-4315

NMLS# 1765897



Janice O’Connell

Mortgage Loan Originator

Phone: 904-753-4921

NMLS# 244686


Make a positive impact on the communities we serve through offering creative solutions.


To be a dynamic organization passionately committed to making tomorrow better than today for our employees, customers, and communities we serve.

Core Values:

  • SERVICE — We honor and give back to our communities and believe it is important for us to be philanthropic, giving of our time, resources and expertise where it is most needed.
  • FLEXIBILITY — We offer dynamic financial products to meet our customers' unique needs.
  • RESPONSIVENESS — We are committed to a timely personal response to our customers.
  • COMMITMENT — Our employees, our customers and our communities are our priority.
  • COMPASSION — We are always there to help our customers and colleagues as they face the inevitable challenges in their lives.