Interim Construction Loans

First Guaranty Bank is a leader in construction lending. With an expert knowledge of construction lending requirements, we have streamlined the loan process. A construction loan is used to finance commercial construction projects. You draw funds as needed to pay contractors and suppliers. When the building is completed, the loan is paid off with proceeds from permanent financing. Most construction loans are granted after permanent financing has been arranged.

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 Conventional Fixed Rate Loans

A home may be the smartest investment you’ll ever make. First Guaranty Bank wants that investment in a new home to work for you. With a Conventional Fixed Rate Loan from First Guaranty Bank you are Guaranteed to keep your low interest rate for the life of your loan.

  • The interest rate is fixed for the life of the loan
  • Most often used by homebuyers who expect long term ownership of the home
  • Monthly principal and interest payments remain the same for the life of the loan
  • No prepayment penalties for partial or full payment before the maturity date

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 Government Guaranteed Loans

If you are a prospective homebuyer with a low-to-moderate income, the Federal Government has a number of programs in place to help you realize the American dream of home ownership. We Guarantee to put you first by helping your dream become a reality.

  • Designed by the Federal Government to increase home ownership
  • Low or no down payment
  • Competitive interest rates

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In House Mortgages

With over 75 years in the banking industry, First Guaranty Bank understands the needs and wants of our customers. This is why we strive to give you access to loans that fit your personal requirements. The Mortgage Lending Department at First Guaranty Bank can work with you today to accommodate your loan needs.

  • Flexible home loans
  • Flexible payment options
  • Low closing costs


Call our mortgage lending department at (985) 375-0335.

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