We don’t sell our loans.

We do things a little differently at Piedmont Federal. We don’t sell our loans, which means your mortgage won’t bounce around between banks all over the country and you’ll always know who to talk to with questions. We keep your mortgage close to home where it’s not only serviced, but stays here in the community. It’s a tradition we’ve upheld for over 100 years. See a map of the regions we cover: Areas of Service ».

Here are 10 Straightforward and Commonsense reasons to choose Piedmont Federal Savings Bank:

1. Simple, customer-friendly online mortgage application process. Apply now »

2. Minimal fees with no surprises.

3. Competitive rates and a variety of mortgage options to fit your needs, including an attractive first-time homebuyer program and a competitive second home/vacation home loan product.

4. Salaried local loan officers who will assist you from origination through closing. Loan officer search »

5. Interest rate locked for 60 days plus rate protection (if interest rates drop while your application is in process, we automatically reduce your rate to the new lower rate without any action needed on your part).

6. Mortgage loans with as little as 5% down.

7. We offer loans on homes with acreage at the same competitive interest rates.

8. Credit Scoring is not used to determine the interest rate you receive.

9. We retain and service our mortgages; we do not sell them in the secondary market. Enjoy personal and local service throughout the life of your loan.

10. Jumbo loans are available at the same competitive interest rates.

APPLY ONLINE

It’s as easy as 1-2-3.

Apply for a loan with Piedmont Federal in as little as 20 minutes.

Start or finish your online
application today.

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Straightforward, commonsense banking