Home Loans

Wherever you live

You don’t have to be a farmer to get your home loan through Southwest Georgia Farm Credit. We make buying or refinancing your home fast and easy. And, we specialize in financing homes with acreage.

We offer personalized services for:

  • Home purchases
  • Refinancing
  • Construction-to-permanent
  • Second homes
  • Homes with acreage (our specialty!)

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Choose the home loan that's right for you.

A fixed-rate mortgage

Stable, monthly payments that offer peace of mind, especially if you plan to stay in your home a long time.

An adjustable rate mortgage (ARM)

If you don’t plan to stay in your home a long time, an ARM may work perfectly. You'll start with a lower monthly payment, and a lower rate. This option is best when your budget can handle a fluctuating rate and payment. In addition, it may be possible to switch to a fixed-rate down the road if your needs change.

A government loan/FHA/VHA

A great option for first-time homebuyers and U.S. veterans, this loan doesn't require a 20% down payment and offers consistent monthly payments.

A construction loan

Dreaming of building your home in the country? We can do a one-time-closing, construction-to-permanent loan with: flexible draw schedules, quick turnarounds on draws, payments can go directly to the builder with the home owner’s approval for an efficient process, and up to 85% financing.

Ready to get started?

Reach out using the form below, or give us a call at 229-493-0921.