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Loans & Mortgages


South Georgia Banking Company handles both installment and single pay loans for consumers. We are very competitive on used vehicle financing, secured and unsecured consumer loans. Local lenders, local decisions and flexible terms set us apart from other lenders. Give us a chance to earn your business.


Our mortgage specialists navigate customers through the loan process step-by-step. If you are considering purchasing a home or refinancing your existing home, your first stop should be to pick up one of our free prequalification kits. The tools in the kit help you understand the steps of mortgage loans. Mortgage specialists will work with you to find what mortgage payment will fit best in your personal budget and what type of loan best suits you.

For additional information in preparing to buy a home, click here for the Consumer Financial Protection Bureau’s step-by-step guide; or pick up a copy at your nearest South Georgia Banking Company location.

Get started today!


Click here to access an editable PDF mortgage application that you can fill out on your screen, print, and bring to the bank.

Please click here for a listing of our Mortgage Loan Originators and their NMLS numbers.

This application is in PDF format. You will need to have Adobe Acrobat Reader installed on your computer to open it. If you do not have Adobe Acrobat Reader, you can download it now for free.

*Loans, lines of credit and credit cards are subject to credit approval.