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Home Mortgage Loans

If you're interested in ...

First-Time Homebuyer Program	SC State Housing Program	Financial Counseling Program
City of Aiken Home Owners Program	CDIC Home Owners Program	Habitat Home Owners Program


Janice Hauerwas 1705 Whiskey Rd Aiken, SC 29803 803-641-3062 jhauerwas@securityfederalbank.com	Greg Warfield 1705 Whiskey Rd Aiken, SC 29803 803-641-4469 gwarfield@securityfederalbank.com	Mike Markwalter 315 E Martintown Rd North Augusta, SC 29841 803-442-2111 mmarkwalter@securityfederalbank.com

John Goodin 7004 Evans Town Center Evans, GA 30809 (706) 650-6786 jgoodin@securityfederalbank.co	Dorothy Brandon 7004 Evans Town Center Evans, GA 30809 (706) 650-6784 dbrandon@securityfederalbank.com	David Young 7004 Evans Town Center Evans, GA 30809 706-650-6709 dyoung@securityfederalbank.com

Vicky Wood 1185 Sunset Blvd. West Columbia, SC 29169 803-739-6107 vwood@securityfederalbank.com	Lynn Derrick 5546 Sunset Blvd. Lexington, SC 29072 803-739-3943 lderrick@securityfederalbank.com	Marianne Pappacoda 5446 Sunset Blvd. Lexington, SC 29072 803-808-8169 mpappacoda@securityfederalbank.com
Jimmy Bristow 1185 Sunset Blvd. West Columbia, SC 29169 803-739-6108 jbristow@securityfederalbank.com	Becky Airheart 1900 Assembly Street Columbia, SC 29201 803-739-3950 bairheart@securityfederalbank.com	Michael Strange 1900 Assembly Street Columbia, SC 29201 803-739-3953 mstrange@securityfederalbank.com

Options	Benefits
Terms from 10 up to 30 years	Allows you to tailor payments and terms to meet your needs.
Fixed Rates	Makes monthly budgeting easier by providing a fixed monthly payment.
Adjustable Rate Mortgages	Rates can be fixed for the first one, three, five or seven year period adjusting annually thereafter.
Amount financed up to 100% -VA -Rural Housing	Eliminates down payment requirements for qualified borrowers.
Special Loan Programs -FHA -Down payment assistance -Grant assistance -No closing costs	Makes purchasing a home more affordable. FHA loans allow up to 96.5% financing. Other loan programs providedown payment or grant assistance for qualified low-to-moderate income borrowers.
Construction / Permanent Loans	Transitions from a construction to a permanent loan without refinancing or incurring additional closing costs. Only interest is payable monthly during construction.
Lot Loans	You can purchase your lot at today's prices, start accumulating equity now and build your dream home when you are ready.

Community Development Officers | HUD Certified Counselors


Kathi Snipes 1185 Sunset Blvd West Columbia, SC 29169 803-739-6105 ksnipes@securityfederalbank.com	Trudy Boyd 100 Laurens Street NW Aiken, SC 29801 803-506-5631 tboyd@securityfederalbank.com

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