Personal Loans

North Georgia National Bank offers a full range of consumer loan products. Let our local, experienced bankers guide you through the application process and advise you on how best to use credit to achieve your goals.

Personal Line of Credit

A Personal Line of Credit can help you pay for larger expenses over time. There is no collateral requirement for a Personal Line of Credit, and the line amount is based on your credit score and income.

Benefits Include:

• On-demand access to funds through Online Banking

• Use the funds and pay them back over time

• The line can be drawn and paid multiple times during the term of the line 

Personal Term Loans

A term loan is advanced fully at closing and paid back over time, typically up to 36 months. 

Benefits Include:

• Loan proceeds can be used to fund large expenses

• Affordable loan payments

• Competitive rates

Vehicle Loans

We offer competitive rates and loan terms for purchasing and refinancing new and used automobiles, motorcycles, and other types of vehicles.

Benefits Include:

• Competitive rates

• Quick decisions

• Terms up to 72 months (subject to approval)

Real Estate Loans

Are you looking to purchase, refinance, remodel, or build the home of your dreams? We can help. We have a number of products to help you reach your goals.

Products include: 

• Primary/Secondary residence construction loans

• Second mortgage loans

• Land purchase loans

• Real estate purchase bridge loans

• Home Equity Lines of Credit

Real Estate Mortgage Loans

Are you ready for a permanent Mortgage Loan for your primary or secondary residence? We can help with that, too. We have a number of competitive products and offer one of the fastest decision times in the business.

Products include: 

• Conventional, fixed-rate, term mortgages with terms ranging from ten (10) years to thirty (30) years 

• VA loans to purchase or refinance your home

• USDA loans for a first-time home buyer or customers with a limited down payment 

• FHA loans that have lower down payment options

• Down payment assistance programs are available for first-time home buyers and first responders, firefighters, and law enforcement professionals. Subject to qualification

Mortgage Application

North Georgia National Bank is your financial home. Banking at North Georgia means not wondering if your bank has your best interests at heart. It means facing life's adventures with a financial partner that knows your story, not just your credit score. Whether you are refinancing, building, or buying, we want you to know that we are here for you every step of the way. 

NMLS Loan Originators