Searching for a home can be stressful; finding a home is exciting, and financing that home should be smooth sailing. Thanks to FGB's mortgage experts, we can make this process easy for you. Questions? Call our Mortgage Lending Department at (985) 375-0335. Want to know how much you can afford? Use our home calculator to find out.
Interim Construction Loans
First Guaranty Bank is a leader in construction lending. With an expert knowledge of construction lending requirements, we have streamlined the loan process. A construction loan is used to finance residential construction projects. You draw funds as needed to pay contractors and suppliers. When the building is completed, the loan is paid off with proceeds from permanent financing. Most construction loans are granted after permanent financing has been arranged.
Conventional Fixed Rate Loans
A home may be the smartest investment you’ll ever make. First Guaranty Bank wants that investment in a new home to work for you. With a Conventional Fixed Rate Loan from First Guaranty Bank you are guaranteed to keep your low interest rate for the life of your loan.
- The interest rate is fixed for the life of the loan
- Most often used by home buyers who expect long term ownership of the home
- Monthly principal and interest payments remain the same for the life of the loan
- No prepayment penalties for partial or full payment before the maturity date
Government Guaranteed Loans
If you are a prospective home buyer with a low-to-moderate income, the Federal Government has a number of programs in place to help you realize the American dream of home ownership. We guarantee to put you first by helping your dream become a reality.
- Designed by the Federal Government to increase home ownership
- Low or no down payment
- Competitive interest rates
In House Mortgages
FGB understands the needs and wants of our customers. This is why we strive to give you access to loans that fit your personal requirements. The Mortgage Lending Department at FGB can work with you today to accommodate your loan needs.