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Convenient online applications with local mortgage experts.

Choose a Lender to Get Started

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.

OUR LOAN PROGRAMS

Conventional Loans

CONVENTIONAL LOANS

This "traditional" mortgage product allows borrowers to purchase a home with a little as 3% down payment. Fixed Rate & Adjustable Rate options are available.

Accounts

VA LOANS

If you are a veteran, the VA loan program may be a great way to get into new home.

Accounts

FHA & USDA LOANS

If your credit score isn't perfect, these special programs may be able to help you get into your new home. Some restrictions apply.

Accounts

PROFESSIONAL LOANS

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.

Photo of Kevin McDougal

Kevin McDougal

SVP, President Mortgage Division
NMLS#: 211889 M: (706) 513 4682

4226 Columbia Road
Martinez, GA 30907

About Kevin

Kevin McDougal brings over two decades of experience in the mortgage industry to his role as Senior Vice President and President of the Mortgage Division at Queensborough. A native of Florence, South Carolina, McDougal graduated from Clemson University with a Bachelor of Science in Corporate Finance. After graduation, he spent six months traveling and working in Australia before beginning his mortgage career in Charlotte, North Carolina.

In 2005, he relocated to Augusta, Georgia with his wife, Augusta native Amelia McCutcheon, to further his career. As a residential loan specialist, he earned the Mortgage Bankers Association of Georgia (MBAG) Gold Award for eight consecutive years from 2009 to 2016.

He is a member of the Augusta Board of Realtors, the Builders Association of Metro Augusta, and the Sales and Marketing Council of Augusta. He also previously served as Governor for the Mortgage Bankers Association of Georgia.

Outside of work, McDougal is an Eagle Scout and a former member of the Executive Board of the Georgia-Carolina Council of the Boy Scouts of America. He is an active member of Good Shepherd Episcopal Church. McDougal and his wife are the proud parents of two young boys, and he enjoys spending time with his family, as well as golfing, hunting, fishing, and boating.

Get Prequalified

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.

Loan Options

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.

Mortgage Calculators

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

Apply Now

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.

"They got us in our dream home."

- The Jenkins Family


MORTGAGE AFFORDABILITY CALCULATOR

Select your monthly budget and an estimated interest rate to see how much home you can afford. 
Not sure where to start? Give us a call at 706.55.5555 and we'll walk you through it.

*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.

QUEENSBOROUGH NATIONAL BANK & TRUST NMLS #736995

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