Lucia Barnes- NMLS# 1042420, Colony Bank Mortgage

09/25/2025

I do love a great review, espcially when there are so many great lending options out there!
I am always offering the best customer service and products available to my realtors, buyers and refi clients!

11/29/2023

Colony Bank is offering an awesome special right now - we are waiving the appraisal fee for first time homebuyers!

We will also refinance their loan with no lender fees during the first 5 years of their loan.

Take advantage of this deal while it is being offered, it’s a very nice savings!

Date the rate Marry the house.

11/28/2023

2024 conforming loan limits $766,550

2024 FHA loan limits $498,257 (for most surrounding counties)

09/26/2023

Some good info pertaining to the mortgage world if the government does in fact shut down October 1st. USDA loans will be directly impacted , guarantees will not be issued during a shut down, loans in progress may be effected by this. Please let your clients, borrowers and sellers know.
FHA will still have access to FHA connection, however anything requiring HUD personnel will be delayed or suspended.
VA has not released a plan at this time.

08/18/2023

“Marry the house and date the rate”, It’s a common theme right now in the real estate world, but what does it mean? Basically, it means that committing to buy a home now does not mean you have to commit to current financing terms forever!
Be a savvy homeowner, if rates become more favorable you can always consider a refinance. Remember, a mortgage rate may be 7%, but rent is 100%…
There are so many programs available now, some offer down payment assistance to those that qualify.

08/16/2023

06/29/2023

Choosing between renting and owning can be a difficult decision. It's important to consider your financial goals and lifestyle to make the best decision that suits your needs.

For more factors to consider, click here: https://colony.bank/financial-education/should-i-buy-or-rent-a-home

05/17/2023

Proud to be a part of Colony Bank!!

We are grateful for our friends at Colony Bank and their support of Georgia GOAL and FPD.

"Education is the foundation for success, and we at Colony Bank believe that every student deserves access to higher education,” said David Wilson, Macon Market President. “We are proud to support the Georgia GOAL Scholarship Program and are honored to have the opportunity to contribute to the growth and development of the bright minds at First Presbyterian Day School in Macon."

To learn more about Georgia GOAL and how you can earn a Georgia tax credit, please visit www.goalscholarship.org.

04/28/2023

There has been a lot of confusion and misinformation hitting the news this week in regards to LLPA’s (loan level pricing adjustments) for conventional loans. I’ve attached a great article that explains what is actually happening. No, a person with higher credit is not “paying more” for the same loan as a person with lower credit. However, the price adjustment is just not as much of a spread as it has been in the past. The media has a great way of putting a negative spin on something to make heads spin.

Seemingly overnight, the internet is awash with news regarding a "new," unfair tax on mortgage borrowers with higher credit scores. Some have gone so far as to suggest that someone could intentionally...

03/10/2023

Are you looking for peace of mind when it comes to your mortgage rate?

With our 5 Year-Rate Protection Promise, you can buy your dream home with the peace of mind that if interest rates drop anytime within the next 5 years, we can refinance qualifying customers into a lower rate with no lender fee and no appraisal fee.

Contact one of our experienced mortgage lenders today to secure your home: www.colony.bank/mortgage-team

01/05/2023

It’s a full house at the 2023 GAR contracts class! Sponsored by Colony Bank Mortgage.