Mortgage Department


First National Bank of Polk County is a financial institution focused on serving the public by providing high quality financial services. It is also our mission to provide high quality mortgage programs at the most competitive rates.

Our home loan programs include: Refinance, Debt consolidation, Home equity loans, Second mortgages, Construction loans and Home improvement loans.

Finding your way through all of the options, payment plans, applications and paperwork can be confusing. Our mortgage lender knows what questions to ask to help you find just the right program to fit your needs. We will find a program tailored to your unique situation. Let a professional listen to your needs and assist you in getting started.

Talk with our Mortgage Lenders today.

Michelle Richards
AVP & Branch Manager
NMLS #476566
Cedartown
Phone: 678-747-5302
Fax: 678-747-5312
Email: richardsm@fnbpolk.com

Patricia Smith
VP & Branch Manager
NMLS #757691
Rockmart
Phone: 678-747-5355
Fax: 678-747-5398
Email: smithp@fnbpolk.com

Kawna McCrickard
AVP & Branch Manager
NMLS #476473
Cedartown
Phone: 678-747-5209
Fax: 678-747-5286
Email: mccrickardk@fnbpolk.com

Click on the loan program below for more details: