(404) 381 - 8081
Home Loan Programs
Conventional Loans
Conventional Loans are mortgage loans that are not insured by the government (like FHA, VA, USDA Loans), but they typically meet the lending guidelines that have been set by Fannie Mae or Freddie Mac.
Typically, conventional loans have better rates, terms and/or lower fees than other types of loans.
However, conventional loans typically require a borrower to have good-to-excellent credit, reasonable amounts of monthly debt obligations, a down payment of 5-20% and reliable monthly income.
Conventional loans are ideal for borrowers with excellent credit and at least a 3% down payment.
FHA Loans
Many homebuyers are choosing FHA-insured loan programs because they make qualifying for a mortgage more accessible. Since these loans are backed by the Federal Housing Administration (FHA), lenders can offer more flexible credit, income, and down payment requirements.
FHA loans are often a great fit for:
* First-time homebuyers who may not have a long credit history
* Borrowers with less-than-perfect credit
* Buyers who need a lower down payment option
By reducing some of the traditional barriers to financing, FHA loans open the door to homeownership for thousands of families each year.
Fixed Rate Loans
A fixed-rate loan is a type of mortgage where the interest rate stays the same for the entire life of the loan.
That means, your monthly principal and interest payment never changes, even if market interest rates go up or down.
It provides stability and predictability in your housing budget.
Common terms are 15, 20, or 30 years.
Example: If you lock in a 30-year fixed-rate loan at 6.5%, your payment based on that rate will be the same every month until the loan is paid off.
Investment Property Loans
An investment property loan is a type of mortgage used to buy or refinance a property that you don’t live in, but instead use to generate income — like renting it out or flipping it for profit.
Here’s what makes it different from a regular home loan:
Higher down payment – Usually 15–25% because lenders see more risk in non-owner-occupied homes.
Higher interest rates – Rates are typically a bit higher than primary residence loans.
Stricter qualifications – Lenders may require stronger credit scores, higher cash reserves, and proof of rental income potential.
Income potential – Rental income can sometimes be used to help qualify for the loan.
USDA Loans
A USDA Loan is a mortgage loan that is insured by the US Department of Agriculture and available to qualified individuals who are purchasing or refinancing their home loan in an area that is not considered a major metropolitan area by USDA.
VA Loans
A VA loan is a mortgage loan guaranteed by the U.S. Department of Veteran Affairs (VA) that is available to most US service members and veterans. It offers some very great benefits to those that have served our country.
I can offer up to 10% Downpayment.
JUMBO Loans
Jumbo Loans make financing high-end homes possible when the loan amount exceeds the conforming loan limits set by the Federal Housing Finance Agency (FHFA). These loans are ideal for buyers looking at luxury properties or homes in competitive markets and give you access to higher loan amounts with flexible terms. With our exclusive 10% down payment option, along with competitive fixed or adjustable rates, we provide a powerful solution to help you purchase your dream home or investment property with confidence.
Georgia Dream
Down Payment Assistance
The Georgia Dream Homeownership Program is a state-funded initiative designed to assist eligible Georgians in purchasing their first home by offering affordable financing options, down payment assistance, and homebuyer education.
Contact Us
(404) 381-8081
2414 Dallas Highway, Building 100, Suite 200 Marietta, Georgia, 30064
