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Buying your first home can feel overwhelming, but it doesn’t have to be. In Episode 5 of CBC Connect, we sit down with Britney Hammock, Mortgage Loan Officer at CBC Bank, to walk through the homebuying and mortgage process step by step.

From preparing financially months in advance to understanding credit, documentation, and monthly payments, this episode is packed with practical advice for first-time homebuyers and anyone considering a mortgage in today’s market.

In this episode, you’ll learn:

How far in advance you should prepare to buy a home
Why savings, reserves, and credit habits matter
Common mortgage mistakes that delay closings
What documents you’ll need to get approved faster
How property taxes and insurance affect monthly payments
Why working with a local lender makes a difference

CBC Bank is committed to making the mortgage process simple, clear, and personal — from pre-qualification to closing day.

Ready to get started? Call CBC Bank at 229-242-7600

Visit us in Valdosta, Hahira, Tifton, Moultrie, or Baytree Road

Learn more at cbcbank.com