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Let us help with your dream of owning a home in southwest Georgia. We offer personalized service with a variety of loan programs, so you can choose the one that is best for you.


  • Woodlands, timberland, hobby farms and more
  • Refinances
  • Land preparation
  • Timber management activities
  • Heritage and Lifestyle properties
  • Agritourism
  • Rural Home Mortgages


Purchasing five or more acres of land? Or, maybe you want to refinance? Pre-qualify today for a land loan. A loan pre-qualification provides a 90-day preapproval letter to applicants who have approved credit. Loans are for the purchase of real estate. Credit quality determines loan approval, rates and terms. 48-hour turnaround means two business days. Final loan approval is subject to verification and review of required information. Patronage distributions are at the discretion of the Board of Directors.