Mortgages

Mortgage Options

With 100% home financing available, Georgia’s Own can get you into the home of your dreams with little or no money down. Our low fees and local, consultative mortgage specialists will help you through each step of the mortgage process.

Fixed-Rate Mortgages

• Your monthly payments of principal and interest remain the same for the life of the loan
• 10, 15, 20, and 30-year options are available

Adjustable-Rate Mortgages (ARMs)

• Interest rate on adjustable-rate mortgages may change periodically during the loan term
• Your monthly payment may increase or decrease based on interest rate changes
• 5/5 adjustable-rate mortgages available, as well as our
  NEW 7/1 and 10/1 ARMS

Jumbo Loans

• For borrowers needing higher loan amounts
• Fixed-rate and adjustable-rate loan options available

FHA & Veterans Administration (VA) Loans*

• Government loans from the Federal Housing Administration and the U.S. Department of Veterans Affairs
• Low down payment options with flexible credit and income guidelines

*Subject to credit and property approval. All VA rules, guidelines, and additional program requirements will apply. Ask a Mortgage Representative for details.

Construction Loans

• Build your home from the bottom up with a construction loan from Georgia’s Own
• A construction loan can cover both the land and construction of a new home

Refinances

• Lower your payments or pay off your home loan faster with a refinance from Georgia’s Own
• Get cash out for home improvements or other projects

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Contact a Mortgage Officer

Reach out to any of our mortgage officers below to get started with your new mortgage or refinance or for any questions!