When considering where and who to finance your next home (residential) loan or purchase, consider Piedmont Federal Savings Bank (f/k/a Piedmont Federal Savings & Loan).
Why? 1) They don't sell their loans. 2) If you have a question, they're one local phone call or visit away. 3) Lower closing costs. 4) They didn't need TARP money. 5) If your rate drops between the time you apply and closing, you get the lowest rate!. 6) They're solid and have strong reserves.