Basic Loan Program Overview




For many would-be homebuyers, conventional  mortgage financing that adheres to the underwriting guidelines put forth by mortgage financing giants Fannie Mae and Freddie Mac, presents the best value mortgage loan.

While all potential borrowers are unique, you might be part of the group making a decision between the low down-payment offered by FHA or the lower monthly payment that conventional financing options usually present when compared to FHA financing.  Ask about our Conventional Loan with only 3% downpayment and No Monthly Priviate Mortgage Insurance (PMI)!


FHA loans

Your time is now.

FHA Loans are geared toward hard-working families in low- to moderate-income brackets. Down payments are lower than conventional mortgages. And you can choose from various terms with fixed or adjustable rates.


  • Allows you to purchase a home when you have limited resources
  • Ideal for first-time homebuyers from low- to moderate-income families
  • Purchase a home using a lower down payment
  • Down Payment: 3.5% of the final loan amount.
  • Terms: 10, 15, 30 years, fixed and ARMs.
  • Credit Score: 580 minimum.*
  • Mortgage Insurance: Yes, one-time, up-front and monthly.
  • Maximum Loan Limit: Yes, varies by county.

VA Loans

We thank our military veterans by serving them and their families proudly.

Veterans and widowed spouses are eligible for special VA Loans that are tailored to make homeownership more attainable for those who have logged military duty serving our country.

We provide access to government-backed VA Loans because you and your family deserve a helping hand. You don't have to worry about a down payment or mortgage insurance. This mortgage keeps more money in your pocket every month.


  • Choose from various term options and fixed or adjustable rates.
  • Enjoy lower monthly payments because you won't need to pay mortgage insurance.
  • Get 100% financing with no down payment requirements.
  • Down Payment: None.
  • Terms: 15, 20, 25, 30 years, fixed and ARMs.
  • Credit Score: 600 minimum.
  • Mortgage Insurance: No.
  • Maximum Loan Limit: Yes, varies by county.

USDA Loans

Enjoy the quiet life.

It's better in the country. That's why you want to live in a rural community.

The United States Department of Agriculture (USDA) subsidizes qualified borrowers through the Rural Housing Loan.

The USDA determines what "rural" means, and that varies widely by state. But if you're eligible, you can qualify for lower monthly payments and you don't need money for a down payment.

You'll also spend less time in traffic driving to the closing.


  • Available as a 15-year or 30-year option with a fixed rate.
  • Finance 100% of your home with no down payment requirement.
  • The loan's income eligibility cap varies by community.
  • Down Payment: none.
  • Terms: 15 or 30 years, fixed rate.
  • Credit Score: 620 minimum.
  • Mortgage Insurance: Yes.
  • Maximum Loan Limit: Yes, varies by county.


Down Payment Assistance

Free informational boolet

Down Payment Assistance

The Georgia Dream Homeownership Program provides first mortgage loans, down payment assistance and home buyer education to eligible home buyers. An eligible borrower must not have owned a home in the past three years, or must be purchasing a home in a targeted area. The borrower must meet income and purchase price limits, have limited assets, and must invest at least $1,000 into the purchase transaction.