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Contact Your Mortgage Team


Our team of professionals will be by your side through the whole process, guaranteeing a smooth financial transition into your new home. Talk to one of our knowledgeable mortgage experts today! Contact Planters First Bank Toll-Free at 833-732-8351, or online form.

Mortgage Team
Click to view profile for Patti Deal
Deal, Patti Patti Deal
Director of Mortgage Banking
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Click to view profile for Heather Dozier
Dozier, Heather Heather Dozier
TRID/Consumer Lender
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Click to view profile for Karla Fiveash
Fiveash, Karla Karla Fiveash
Mortgage Lender
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Click to view profile for Davis Potts
Potts, Davis Davis Potts
Banking Officer
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Mortgage Calculator
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Use this calculator to estimate your monthly mortgage payment. Simply enter the loan amount, length of your mortgage and annual interest rate to calculate your payment.

Disclaimer: Monthly payments shown are principal and interest only and do not include private mortgage insurance (PMI), taxes, insurance or other escrows. Actual payment amount may be greater.

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Local Loans from Local Lenders

Planters First Bank works with you to identify exactly where you stand and what program best fits your needs and helps you through the entire mortgage process.

  • Conventional loans
  • Construction loans
  • FHA/VA loans
  • Fixed Rate loans
  • 7/1 ARM loans
  • USDA loans
  • Equity Loans
  • Land/Lot Loans

Let's find a loan type that works for you.

Our motto is "You're not a-loan." This means two things: first, you're not just a number in an online application. Second, you're not alone in the mortgage process. As a community bank, we’re focused on the needs of the communities we serve and the people like you who live there.

Great Credit Score and Little Debt

Conventional Loans

  • Offer 30, 20, and 15-year fixed rates
  • Available for a down payment as low as 3%
  • Maximum seller contribution determined by down payment

For Smaller Down Payment

FHA Loan

  • Up to 96.5% financing
  • One-time 1.75% guarantee fee included in financing
  • Monthly .85% FHA Fee
  • Minimum 3.5% down payment
  • Maximum seller contribution is 6%

*All lending subject to credit approval

Rural Properties

USDA Loans- Affordable Government-backed loans for Homebuyers in Rural Areas.

  • Up to 100% financing
  • One-time 1% guarantee fee may be included in financing
  • Monthly .35% USDA fee included in the monthly payment, and is often less expensive than private mortgage insurance
  • No down payment required
  • Lender fees and closing costs (including prepaid fees) may be eligible to be included in the loan, depending on the appraised value
  • Property and income must meet USDA guidelines

For Veterans

VA Loans- Specifically for military individuals/families

  • Zero down payments
  • Low Interest Rates
  • New Purchases and Refinance
  • No Monthly Mortgage Insurance
  • Could be responsible for a one-time funding fee