Notice: As of Monday, June 7, 2021, our branch lobbies are open to accommodate walk-ins Monday through Friday in addition to continuing to offer scheduled appointments and drive-thru services.



At Vinings Bank, we are proud to offer a variety of home loan options to suit your needs, competitive rates and outstanding, local customer service to ensure you get the best financing options available to you.


We offer:


  • Conventional loans with up to 95% financing for home purchases and refinances both with fixed and adjustable rates; loan program has a lender-paid mortgage insurance option
  • FHA Loans with a low down payment of 3.5%, and it may be a gift; easy to qualify with less stringent guidelines and no reserves required; competitive rates; no income limits
  • Up to 10 financed properties allowed
  • One day off the market on refinances; delayed financing (purchase home for cash and get cash back within 6 months); 620 credit score on purchase and rate and term refinance
  • Jumbo mortgages up to $2M
  • Purchases and refinances for second homes and investment properties
  • HARP loans for borrowers that are underwater on their homes


Documents Needed to Process Your Application Quickly:


  • Most recent paystub for each wage earner
  • W-2’s for the past 2 years
  • If self-­‐employed, personal and business tax returns for past two (2) years
  • Two months of recent checking and savings statements, 401(k) and retirement statements, if applicable
  • Fully executed sales contract
  • Copy of cancelled earnest money check
  • Copy of your driver’s license and social security card
  • Homeowners insurance


Contact us today to find out mortgage rates and what loan options are right for you.


During the normal business hours of Monday - Friday,

8:30 a.m. - 5:00 p.m., please call (866) 618-4123, otherwise please call (800) 554-8969 for immediate assistance.

We take your financial security very seriously. Please do not wait to report a lost or stolen ATM/debit card. Once you contact us, one of our team members will take care of having a replacement card issued to you as soon as possible.

Vinings Bank

4135 Atlanta Road

Smyrna, Georgia 30080

Map / Directions


Mailing Address

Vinings Bank

P.O. Box 725189

Atlanta, Georgia 31139

v: (770) 437-0004

f: (770) 951-1155



9:00 a.m. - 4:00 p.m.

Monday - Friday

Excluding Federal Holidays

Vinings Bank

North Fulton Banking Office

5960 North Point Parkway
Alpharetta, GA 30022

(678) 710-2820


Map / Directions