Mortgage Applicants MUST be Over 18 and reside in: Walker, Catoosa, Dade, Whitfield and Chattooga Counties in Georgia and Bledsoe, Bradley, Hamilton, Meigs, Rhea, Roane and Sequatchie Counties in Tennessee. If you reside outside of this area, the approval process will begin with our evaluation of whether we can adequately service your lending needs. Applying for a Mortgage or Refinancing is quick and easy... Step 1: Contact us at (706) 861-8888 to find out if you can pre-qualify for the mortgage you need. With pre-qualification, your offer will a better chance of being accepted by the seller and it will make the closing process even faster. We'll also be happy to answer any questions you might have about the application process. Step 2: Get a Secure Credit Report . That way you can make sure the reported information is accurate which may help to speed up a decision on your Application. You'll be required to pay a nominal fee to the credit bureau for your report, but we'll waive the fee that we normally charge to obtain your credit report if your Application for a mortgage is approved. Step 3: Complete our Mortgage Application. You may submit a Secure Mortgage Application On-line, or Download a Mortgage Application and complete it off-line. This option allows you to key-in the information requested, print, sign and either fax, mail or drop it off. We'll process your application quickly and get back to you right away with the answer you need.