Apply for a Mortgage Loan

	Equity Checking Home Equity Line. Rates currently as low as 4.75%! Monthly payments of 1% of balance. No better deal around! Please contact any of our offices for more information.

Personal Banking: Loan Services

Mortgage Loans - What do I need to apply?

Purchase and Refinance

Fixed Rate
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
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.

Jumbo Loans
For larger home loans, we offer a variety of Jumbo loans. Both fixed and adjustable rate loans are available.

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 Loans
If you're looking for a home or have a home that needs some repairs or a building 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.

Equity Loans and Lines

Home Equity Loan
Our home equity loans offer fixed-rates that allow you to use the equity in your home. How much equity do I have? Your equity is determined by the value of your home less any amount already owed and not being paid off. Our fixed rate programs offer you the security of predictable monthly payments.

• Flexible loan terms.
• Home equity loan interest may be tax deductible*

‘Equity Checking’ Home Equity Line
Our home equity line of credit is a cost-effective way to use the value of your home to pay for home improvements, major purchases, higher education, or any use you may choose!

• Variable interest rate
• Easy access to your home equity line with checks or online banking
• Reusable source of funds
• Interest incurred with a Home Equity Line may be tax deductible*

*Please consult your tax advisor in regards to the deductibility of home equity loan interest and charges. Other restrictions apply.

Investment Property
Investment property loans are typically used for purchasing or refinancing one to four unit rental properties. The requirements and loan programs can vary greatly from typical owner-occupied home loans. Our knowledgeable staff can guide you through the different scenarios and options available. Contact your local loan officer for more details.

Builder Loans
Our builder loans are well known throughout the Upstate. Our long time commitment to providing builders with affordable financing and a user friendly program has earned us a reputation you can count on.

Land / Lot Loans
Whether you're looking to purchase or refinance a lot or land, First Piedmont has a program to fit your needs. From fixed rate and term programs to balloon programs, your local loan officer will be able to answer your questions.

Vehicle Loans

Auto Loans

• Competitive rates
• Flexible terms
• No prepayment penalty
• New vehicle
• Used vehicle (dealer or private party)
• Refinance
• Lease buyout

Boat Loans

• Competitive rates
• Flexible terms
• No prepayment penalty
• New vehicle
• Used vehicle (dealer or private party)
• Refinance

Recreational Vehicles

• Competitive rates
• Flexible terms
• No prepayment penalty
• New vehicle
• Used vehicle (dealer or private party)
• Refinance

Equipment

• Competitive rates
• Flexible terms
• No prepayment penalty
• New or Used Equipment (dealer or private)
• Refinance

Personal Loans

Unsecured
Our personal unsecured loan program has been specifically designed for our banking customers. These loans typically range from a minimum of $2,500.00 to $5,000.00 and are termed for 24 months. These can typically be done the same day you apply so the flexibility of this loan can be an attractive option for many needs or emergencies.

Secured
These types of loans are typically secured by savings accounts, CD's, vehicles or real estate, the rate and terms are generally determined by the collateral. Please contact your local branch or loan officer for more details.