CONTACT US LOCATIONS & HOLIDAYS CUSTOMER PAYMENT PORTAL Mortgage Loans Home is where you feel comfortable and secure. Getting a loan shouldn’t be any different. We work hard to make the process easy. For most people, a home loan is the biggest financial transaction they go through. When you sit down with our loan officer, you’ll know right away that you’re in good hands. We’ll work with you any way you’d like. Take a look at our offerings below. If you’d rather talk than read, we’re ready to help—just drop by or give us a call. CONVENTIONAL MORTGAGES We customize our mortgages to meet your specific needs. Our loan officer will take you through different down payment options, competitive rates, and a number of other variables, so that we can give you the mortgage that’s right for you. We’ll guide you through the whole process, from a painless pre-qualification all the way to a convenient closing. FHA/USDA LOANS If you’re a first-time homebuyer, these options might be right for you. They generally require lower down payments (sometimes none), flexible credit choices and relaxed income guidelines. JUMBO LOANS If you’ve got a larger-than-usual need, we’ve got larger-than-usual loans to meet it. Whether you’re looking to buy your primary residence, a vacation home or an investment property, we can offer a variety of terms at a fixed rate that will make it happen. HOME EQUITY LOAN Use this loan for any number of things—bill consolidation, college tuition, or home improvements. Our loan officer will show you flexible options that allow for low, predictable monthly payments. HOME EQUITY LINE OF CREDIT Like an equity loan, this can be used for a wide variety of needs. With a line of credit, you have the flexibility to advance and pay down your loan as needed. Lock in fixed monthly payments for large purchases while still having easy access to the remaining line of credit. RESIDENTIAL LOT LOAN Buy the land for your new home regardless of when you plan to build. We’ll help you purchase the property so it’s there when you’re ready. LAND LOAN Eyeing acreage? We can make it happen. CONSTRUCTION LOAN Ready to build? We’re ready to loan. We’ll finance construction of your home before beginning mortgage payments. Let's start the conversation CALL US AT 912-283-0001 Ready to say “That’s my bank”? We’re ready to help. Call now, or stop by our branch. Numbers and addresses can be found here. Got a different question? Contact Us © 2021 Waycross Bank & Trust. All rights reserved. Privacy | Terms & Conditions | USA Patriot Act Cookie Preference Center Contact Us Locations Join Our Team Online Banking Log-in Convenience Banking Text Concierge and Alerts Business Banking Personal Checking Personal Savings Mortgage Loans NMLS Online Customer Payment Portal Security Center Get our email newsletter Send ABA Routing Number: 061204052 Lost or stolen card? Call 1-800-383-8000 We also share information about your use of our site with our social media, advertising and analytics partners.Privacy Policy Do Not Sell My Personal Information Accept Cookies