Ag, Commerical, Consumer and Mortgage Loan Programs
The lending philosophy at Milledgeville State Bank is simple: we work to create long lasting relationships founded on mutual trust and respect. This is not a new approach to community lending, but rather community lending done right. Milledgeville State Bank’s approach to lending is what allows us to offer a diverse set of loans for practically any need, from ag loans and commercial loans to consumer loans and mortgages.
Not only do you get the right loan tailored to your needs at Milledgeville State Bank, but you also get the high level of customer service you deserve. This means a personal, face-to-face conversation in which your needs are listened to. Milledgeville State Bank’s lenders then provide recommendations for the loans that best fit your needs, not what would work best for our bottom line.
Community Lending Done Right at Milledgeville State Bank
Whether you need a loan for ag, commercial or personal use, or are looking for the right mortgage to purchase your new home, you will find the loan options you need with the service you deserve at Milledgeville State Bank. Contact us or come by our office today!
Develop a Long-Term Financial Plan
Are you saving enough? Can you afford to refinance your home? Will your children have enough money to pay for college? By using Forbins financial calculators, you can get a better sense of what the future holds for your finances.
Mortgage
Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments!
Mortgage Qualification
The amount of mortgage you qualify for goes a long way in determining what kind of home you can buy. This calculator examines both your income and your expenses to estimate how much of a mortgage you qualify for.
Early Mortgage Payoff
The interest on your mortgage can be costing you hundreds or thousands of dollars every month, so why not pay it off faster? With this calculator you can see how much interest you will save by paying more on each mortgage payment.
Rent or Buy
The decision to rent your home or buy it outright can mean spending or saving thousands of dollars. Use this calculator to ensure you make the right decision for your financial situation.
Car Affordability
Buying a new vehicle isn’t as easy as it seems. You have to keep your monthly payment, down payment, trade value, loan term, and interest rate in mind. This calculator can help you keep track of these various financial aspects.
Loan
Calculate basic loan information. This calculator will calculate payments or loan value.
Loan Affordability
Loan payments can be a burden if you don’t know how much you can afford in monthly payments. This calculator gives you a look at just how much of a loan your current finances can allow you to take on.
Loan Consolidation
If you have various loans, you may think about consolidating them into one monthly payment. Using this calculator, you can determine if consolidation is right for you, or if it may end up costing you more in the end.
Credit Card Payoff
If you have fallen behind on your monthly credit card payments, this calculator can help you get back on track. Simply enter the current balance of your debt, your desired monthly payment amount and the credit card interest rate, and you will get a payment schedule to help you get out of the red.
Investment
Meeting your long-term investment goal is dependent on a number of factors. This not only includes your investment capital and rate of return, but inflation, taxes and your time horizon. This calculator helps you sort through these factors and determine your bottom line.
Retirement
Do you know what it will take to create a secure retirement? Use this calculator to help you create your retirement plan.
Retirement Longevity
The biggest fear among those close to retirement is outliving your money. This calculator provides a look at how long your savings account will last based on a set monthly withdrawal.
Education Planning
Saving for your children's education requires a long-term plan. And, like saving for retirement, the earlier you start your plan the better. Use this calculator to help develop or fine-tune your education savings plan.
College Savings
You want the best for your child, especially when it comes to their college education. This calculator can help you determine how much you will need to save every month in order to send your child to a great school.
Monthly Savings
We all have savings goals, whether we are working towards retirement or trying to build up an emergency fund. Use this calculator to see how much you need to save each month to reach your goal.
Future Value
Smart investing requires looking down the road to see what current investments will be worth. This calculator uses investment value, time period, interest rate and compounding period to calculate what your investment today will look like in the future.