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Home Mortgage

For the most important investment of your life, it’s good to know you’re working with a friend. Whether you’re purchasing a home or thinking about refinancing, we’ll help you find the loan that best fits your needs.

Affordable Homeownership


Introducing Affordable Homeownership…with a little help from a friend

This unique Friend Bank program is designed to remove the red tape and make homeownership affordable by eliminating PMI and requiring only 5% down. With local underwriting, competitive interest rates and a quick close, Friend Bank can help make the dream of owning a home a reality.

At Friend Bank, we know there’s no place like home. So when you are ready to discuss financing your dream home, come our way. We would love to discuss options with you!

  • Only 5% down payment*
  • No Lender’s Fees
  • No PMI
  • Loan Amounts up to $250,000
  • Local underwriting
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Talk to one of our Friend Bankers today to learn more!

Talk with a Lender

*We may finance up to 95% of the purchase price or appraised value, whichever is lowest. Repayment terms are a 7 year ARM with a 30 year amortization. Rate 6.25% and Annual Percentage Rate given in this example are current rates as of 02/28/2025. Estimated monthly payment $1,539.56 includes principal and interest of a 7 year ARM with a 30 year amortization for $250,000 loan amount with 6.862% APR. Payments do not include property taxes and applicable insurance premiums; therefore the actual monthly obligation will be greater. Interest rate subject to increase after consummation. Offer of credit is subject to credit approval and has geographic restrictions. Friend Bank: Member FDIC and Equal Housing Lender.

Secondary Market Mortgage

  • Conventional, FHA, USDA, VA
  • We Find The Best Fit For You
  • We Navigate The Guidelines
  • Easy Online Application

Apply Now  Talk with a Lender

All Accounts, Visa® Check Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Equal Housing Lender.


Portfolio Mortgage

  • Local Lender
  • Local Decision-Making
  • Local Servicing; We Don’t Sell Our Loans
  • Fast, Simple, Affordable

Biweekly Fixed Rate Loan

Our signature mortgage product. By paying half your mortgage payment every two weeks, you will realize substantial interest savings and take years off the life of your mortgage.

Other Mortgage Products

  • Monthly Fixed Rate Loan
  • Adjustable Rate Loan
  • Vacation and Second Home Loan
  • Mobile Home with Land Loan
  • Land Only Loan
  • Home Equity Loan
  • Construction Loan

Talk with a Lender

All Accounts, Visa® Check Cards, Overdraft Protection, Loans, and Lines of Credit are subject to credit approval. Equal Housing Lender.

Safe Act Registration Disclosure

The Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act) requires mortgage loan originators and their employment institutions to register with the Nationwide Mortgage Licensing System & Registry (NMLS).

Each employee of a bank who acts as a mortgage loan originator must register with the Registry, obtain a unique identifier, and maintain this registration in accordance with the Requirements of the SAFE Act. Below is a listing of the registered mortgage loan originators of Friend Bank.

Adam Benbow Clark, NMLS # 1474034Joseph Huntley Johnson Jr, NMLS # 808391
Alexa Christine Leonard, NMLS # 2587809Kenneth Joe Grimes, NMLS # 556320
Alexander H. Taylor, NMLS # 2517627Lawrence Harris Johnson, NMLS # 2173795
Amara Riana Jesus-Myles, NMLS # 2506868Mary Robin Lewis, NMLS # 433755
Ashley Brooke Constable, NMLS # 1904529Matthew Logan Skinner, NMLS # 2578491
Ashley Denise Langford, NMLS # 2518846Melisa Elizabeth Childs, NMLS # 1418407
Charles Robert Breedlove Jr, NMLS # 808394Melissa A Vann, NMLS # 828434
Jamey Leonard Jackson, NMLS # 781479Sarah Fondren Reed, NMLS # 2129661
Jillian Clark Kennedy, NMLS # 474368William Davis McLaughlin Jr, NMLS # 918911

The NMLS Institution ID for Friend Bank is 403419.

One of the objectives of the SAFE Act is to provide consumers with easily accessible information at no charge regarding mortgage loan originators. Public access is available using the unique identifier NMLS ID numbers at the NMLS consumer access site.

Have Questions?

Our Friend bankers are ready to assist you with all your personal banking needs.

Call us today!

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