Connect with your local branch manager to start moving your business forward. How do I enroll in online and mobile banking?Fill out our online enrollment form. A loan agreement is a formal written contract used whenever money is borrowed. The Fulton County Homeownership Program (HOP) offers eligible first-time homebuyers down payment and closing cost assistance. This Agreement sets forth the terms on which Bank will advance credit to Borrowers, and Borrowers will repay the amounts owing to Bank.