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Your Dream

Specializing in custom-tailored home mortgages to fit your specific circumstances.

Conventional Loans

Great for Homebuyers who have:

  • good credit scores

  • stable employment history

  • stable income history

  • money to put towards a down payment


  • 97% financing

  • second home,non-owner occupied investment property

Most have either fixed or adjustable interest rates.

Fixed-rate mortgages are for homeowners who desire stable monthly interest rate and payment over the term of 30 or 15 years.

Adjustable-rate mortgages, or ARM, offer a low introductory fixed-rate term. An excellent option for homeowners who are planning on selling or refinancing their home 5 - 7 years as it lowers your rate and payments during the introductory fixed period.

Convential Loans, Residential, Home

USDA Loans

Great for Homebuyers who:

  • want to purchase their first home

  • are repeat homebuyers

  • have low to moderate income

  • want to purchase or refinance in a rural area (as defined by USDA)


  • no down payment required

  • minimum cash to close

  • easy qualification

  • not limited to first-time homebuyers

  • available in certain geographic areas

  • available for purchase or refinance

A Rural Development loan option available to borrowers seeking to buy or refinance a home in a rural location. It is available to many eligible homebuyers with low to moderate income or limited funds for down payments.

USDA Loans, Residential, Home

Jumbo Loans

Great for Homebuyers who have:

  • a desire to purchase a  high-end home

  • the ability to pay larger monthly payment

  • strong credit scores

  • a higher income

  • money to put towards a large down payment


  • loan amounts up to $3 million

  • fixed- and adjustable-rate loans

  • available for single-family homes, townhouses, and condos

  • primary residence and second/vacation homes

Allows for mortgage amounts above the maximum conforming loan limits. This provides the convenience of having one loan for the entire amount. Available for primary residences, second or vacation homes, and investment properties.

Jumbo Loans, Residential, Home

FHA Loans

Great for Homebuyers who have:

  • lower credit scores

  • low to moderate income

  • money to put towards a down payment


  • fixed- or adjustable-rate

  • limited closing costs

  • no prepayment penalty

  • reduced documentation available on certain refinances

Insured by the Federal Housing Administration and helps borrowers obtain the home of their dreams with simpler qualifications.

With the requirements being a little more flexible, first-time homebuyers often benefit by a lower down payment (as low as 3.5%), however, you needn't be a first-time homebuyer.

FHA Loans, Residential, Home

VA Loans

Great for Homebuyers who are:

  • veterans

  • reservists

  • active duty personnel

  • surviving spouses for veterans (based on military entitlement)


  • no down payment required

  • 30- and 15-year fixed loans

  • no monthly mortgage insurance premium

  • limited closing costs

  • no prepayment penalty

Guaranteed by the U.S. Department of Veterans Affairs and is often referred to as a "government" mortgage.

Learn more about eligibility and other options!

VA Loans, Residential, Home

Refinance Your Home

Why Refinance Your Home:

  • lower your monthly payment

  • consolidate debt

  • cash out a portion of the home's equity

  • shorten your loan term

When you refinance your home, you are replacing your existing mortgage with a new one. Many homeowners choose to refinance to lower their interest rate and shorten their loan term or to take advantage of the equity they have built up in their home into cash and using it for important purchases.

Are you eligible?

Determining your eligibility to refinance is similar to the approval process of getting a home mortgage. We consider: income, assets, credit score, other debts, current value of the property, and the amount you want to borrow.

Refinance Your Home, Residential, Home
Loan Types

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Serving Metro Atlanta | Gwinnett | Forsyth | Fulton | Hall | Cherokee | Dekalb | Dawson

Walton| Barrow | Athens-Clarke | Jackson | Cobb| Columbia | and More!

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