We can provide construction loans, construction/permanent loans and permanent loans. We have built our business on relationships. To date, we have either sold or brokered to 250 different financial institutions so we don't have a problem with loans to one borrower limitations. Also, because of the diversity of our lending group, we don't normally put any property type on a "can't do" list. Generally speaking, we're willing to consider any sensible request for funding on any property type.

We pride ourselves on service. Many of our borrowers have used Empire as either their primary or sole financing source for fifteen or more years. Also many of our participating lenders have been customers of Empire for extended periods of time. We'd like to add you to our customer list.

Our phone number is (478) 453-9415 and our fax number is (478) 452-2950. We encourage you to visit our office in Milledgeville and meet our staff. Your consideration of Empire as your funding source is appreciated.

Ownership

Empire Financial Services, Inc. is a wholly-owned subsidiary of Southwest Georgia Financial Corporation -a state-chartered bank holding company with approximately $300 million in assets headquartered in Moultrie, Georgia. Its primary subsidiary, Southwest Georgia Bank, offers comprehensive financial services to consumer, business and governmental customers. The current banking facilities include the main office located in Colquitt County, and branch offices located in Lowndes County, Baker County, Thomas County and Worth County. In addition to conventional banking services, the bank provides investment planning and management, trust management, mortgage banking, and commercial and individual insurance products. Insurance products and advice are provided by Southwest Georgia Insurance Services, which has an office in Colquitt County. Mortgage banking for primarily commercial properties is provided by Empire Financial Services, Inc.