• Mortgage Loan Services
  • What do I Need to Apply?

Purchase & Refinance

  • Fixed Rate Mortgage

These home loans feature a fixed interest rate for the life of your home loan, so your monthly payments (principal and interest) will always be the same. We offer financing terms from 10 to 30-years. Other choices and options available - please contact your loan officer for more details.

  • Adjustable Rate Mortgage

Also called ARM loans, adjustable rate mortgages have an interest rate feature that adjusts over the life of the loan. An ARM may be attractive to you if you desire a slightly lower interest rate during the initial stages of owning your home.

New Construction

For over 60 years, First Piedmont has been helping families build their dream homes. Our experience has enabled us to streamline the process of obtaining a Construction/Permanent Loan. Beginning with the application and throughout construction, our goal is to make the process as smooth and stress-free as possible. We offer a single closing to save you time and money.

Renovation

If you have a home that needs some renovation or an addition, this program may be the one for you. You only have one payment during the renovation process. Upon the loan closing, renovation funds are held to pay an approved builder in accordance with a pre-approved construction schedule.

Purchase & Refinance
or Purchasing State Housing

  • Sales Contract
  • Previous two year's W-2s
  • Two most current check stubs
  • Two most current bank statements
  • If self-employed: Previous two year's personal and business tax returns
  • Other information may be required

New Construction
and Renovation

  • Copy of Deed (if land is owned)
  • Copy of Sales Contract (if land is being purchased)
  • House Plans
  • Contract between you and your builder
  • Agreement listing materials to be used in construction of the home
  • Previous two year's W-2s
  • Two most current check stubs
  • Two most current bank statements
  • If self-employed: Previous two year's personal and business tax returns
  • Other information may be required

 

 

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   Phone Numbers

   864.489.6046 - Gaffney
   864.585.0965 - Spartanburg

 

   Office Hours

Monday-Friday:
All Locations
8:30am - 5:00pm

Saturday:
1229 Floyd Baker Blvd, Gaffney
9:00am - 12:00pm

 

   Area Locations

   Gaffney Area
   Spartanburg Area

 

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