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Home Buying & Refinancing

6 Tips for Saving for Your Down Payment

You’ve decided you want to buy a home – congratulations! You will need between 5-20% of the home’s value as a down payment. Here are our tips to help you save up for a down payment on your dream home. Set up a separate savings account Open a separate savings account exclusively for your down payment and have your monthly contributions deposited automatically. This money will be ‘out of sight, out of mind,’ meaning you’ll be less likely to spend it. Develop a timeline and budget  First, figure out how… Read More >

To Rent, or to Buy?

Should you rent or buy a home? It’s not an easy question with one right answer for everyone. That’s why we’ve created the following pros and cons lists for you so that you can weigh your options. The Pros of Renting Flexibility and mobility: Leases generally last for a year or less, which is a definite pro if you need to relocate for work or other reasons. Maintenance free: The air conditioner is out? Call the maintenance person! When you rent, someone else mows your lawn, cleans your gutters, and… Read More >

Jul. 31 2019 | Posted in Home Buying & Refinancing, Personal

Choosing a Lender: What You Need to Know

Congratulations! You’ve found the home of your dreams, and now it’s time to choose a lender. Follow these steps to get the best deal on your mortgage. Gather Essential Information In order to choose the right mortgage for you and your family, you must know the basics. Become familiar with loan terms, interest rates, and any extra fees incurred when buying a home.  Access Your Finances Before you apply for a home loan, determine what you can afford. Essential elements to consider are how much debt you have, what your… Read More >

Jan. 29 2019 | Posted in Home Buying & Refinancing, Personal


Pinnacle Bank will begin a phased-in approach to reopening our lobbies while maintaining essential protocols such as social distancing, limiting the number of customers in the branch and frequent sanitization.

May 11 – Lobbies at all Pinnacle Bank branches, except Braselton, our two Gainesville branches and SB&T branches in Cornelia, Clarkesville, Blairsville and Dahlonega, will be open. Drive Thru windows are closed but Pinny Live Tellers will handle the Drive Thru at branches where lobbies are open.

May 18 – Lobbies at Braselton, our two Gainesville branches and SB&T branches in Cornelia, Clarkesville, Blairsville and Dahlonega open.

Drive Thru service is handled by Pinny Live Tellers who are available at all Pinnacle branches: 7 AM – 7 PM, Monday – Friday and 8 AM – 2 PM, Saturday.

We appreciate your patience and cooperation during these challenging times. Thank you.