Purchasing a home, or even just refinancing one, is the largest financial transaction most people will make. The Mortgage Department at FSGBank is always there to offer professional advice and hometown customer service.
The bank's friendly staff members pride themselves on offering personalized service. "We will work with you one on one to ensure a program is tailored to meet your financing needs" said Jill Green, mortgage lending sales manager. "Our approach is different. As a community bank, we believe in hometown relationship banking and take a customer-centric approach."
The bank's products cover a broad range of clients' needs. "Whether you are purchasing your dream home, a second home or investment property, or refinancing, our team of experienced loan officers can help you find the right program," Green said. "We offer fixed- and adjustable-rate loans, VA, FHA, USDA and Jumbo loans."
Attention to detail and customer service are what sets FSGBank apart from most competitors and make it a welcoming alternative to larger companies, she said.
"The skill set of our team members is our competitive advantage," Green said. "Our Processing and Closing Department is also local, and that sets us apart. Our operations team has over 100 years of combined experience and our Chattanooga loan officers have over 75 years of combined experience."
A recent survey by Fannie Mae in October 2012 says Americans are growing more confident in the housing market. Participants also believe it is a good time to buy a home and an increasing number said it's a good time to sell. Only 10 percent of respondents said they expect home prices to fall over the next year.
Doug Duncan, senior vice president and chief economist at Fannie Mae says, "This has been a year of steady growth in the percentage of consumers with positive home price expectations."
Chattanooga remains affordable and a desirable place to live. With mortgage rates at record 50-year lows, it may be a great time to consider purchasing or refinancing. There is no right or wrong time to refinance one's mortgage, said Green -- "It really depends on your financial goals and how long you plan to stay in your home." Refinancing may be a viable option even if the interest rate difference is 1 percent, depending on the factors.
Throughout any home buying or refinancing situation, FSGBank's experienced associates will be there to lend a helping hand.
FGSBank's main office is located at 531 Broad St. For banking and mortgage inquiries, call 423-308-2000 or visit fsgbank.com.
Tip of the week:
"Our approach is different. As a community bank, we believe in hometown relationship banking and take a customer-centric approach." - Jill Green, mortgage lending sales manager