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Local lenders make your home buying or refinancing journey easier. No automated phone system or gimmicks here, just real people who want to help you get into the home of your dreams.
This "traditional" mortgage product allows borrowers to purchase a home with a little as 3% down payment. Fixed Rate & Adjustable Rate options are available.
If you are a veteran, the VA loan program may be a great way to get into new home.
If your credit score isn't perfect, these special programs may be able to help you get into your new home. Some restrictions apply.
This program allows for high earning individuals to take advantage of some unique perks.
Start your application online with one of our local lending experts.
VP, Mortgage Loan Originator NMLS#: 209846 M: (706) 564 6993 F: (706) 869 8610 Email Melissa
4226 Columbia Road Martinez, GA 30907
Melissa Fulghum, is an Augusta native and graduate of Georgia Military College. She has been actively involved in lending since 2003. Melissa is an expert on the entire spectrum of loan products and has in-depth knowledge of the intricacies of the lending process. She is committed to ensuring 100% customer satisfaction through personalized service and the most competitive rates and terms available. Her experience, combined with her caring and intuitive nature, allows her to communicate complex topics in easily understandable terms.
Melissa has consistently been recognized for excellence and has earned numerous prestigious awards such as the Mortgage Bankers Association Platinum award and Mortgage Banker of the Year in 2014. She is a past President of the Augusta chapter of the Mortgage Bankers Association and an active participant in the Realtors of Greater Augusta, Builders Association of Metro Augusta, and the Sales and Marketing Council of Augusta. She also makes time to spend with family and friends enjoying the outdoors, including exercising, camping and water activities.
Before you even find your new home, it’s a good idea to get prequalified. This free service will give you an idea of how much you would be eligible to borrow for your new home. You can choose to get pre-qualified by phone or in-person.
Our local mortgage lenders are experienced and knowledgeable about many loan options. From buying or building a new home to refinancing your current home, we are eager to assist. Online applications, responsive service, and competitive rates make the process even smoother.
A mortgage calculator is a useful tool in helping you determine what your home buying budget may look like. Whether you’re buying a home, refinancing, or taking out a home equity line of credit, our mortgage calculators can provide valuable insight.
Try Our Mortgage Calculator
Our online applications are easy and secure. After creating a login, you’re able to save your progress for later and check on the status of your application after submission. Our mortgage lenders are available to answer any questions you may have along the way.
- The Jenkins Family
*The information provided by these calculators is intended for illustrative purposes only and is not intended to purport actual user-defined parameters. The default figures shown are hypothetical and may not be applicable to your individual situation. Be sure to consult a financial professional prior to relying on the results.