When buying a home, isn't it nice to know you're not alone? Our full service lending team will guide you through the application process and make sure you get the best rate and repayment terms. Let us help you find the loan best suited for your individual needs.

• Competitive rates
• Fixed and adjustable rate options
• Various terms are available
• Low down payment
• Affordable payments
• Personal service
• Local decisions
• Quick approvals
• Experienced loan advisors
• Easy to apply

First Cherokee State Bank is an approved FHA lender! With lower down payment requirements, competitive rates, and allowances for nontraditional credit and lower credit scores, FHA mortgages make home ownership and refinancing easier than ever for qualified borrowers.