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Please do not click on suspicious links from texts that appear to be from Georgia’s Own and be vigilant about providing information when receiving calls.
Routing Number: 261071438
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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.
*Subject to credit and property approval. All VA rules, guidelines, and additional program requirements will apply. Ask a Mortgage Representative for details.
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Reach out to any of our mortgage officers below to get started with your new mortgage or refinance or for any questions!
What is an ARM (adjustable-rate mortgage)?
What do I need to qualify for a loan?
What do I need to know about the loan process?
What do first time homebuyers need to know about the home buying process?
What do I need to qualify for a Home Equity Line of Credit (HELOC)?
This is our best available Annual Percentage Rate and is for estimation purposes only. Eligibility requirements and fees may apply.
Important Rate Information: This is not a quote. These rates are published weekdays near 10:00am EST. Interest rates fluctuate throughout the day and may be different at the time you apply and will likely differ based on your specific scenario. The information provided here is general and assumes only the following scenario: Purpose of the loan: Purchase a property. Property location: Atlanta, GA 30303 Property Type: Existing single family home Property Use: Primary Residence Estimated property value: $200,000 Estimated down-payment: $40,000 Loan amount: $160,000 (80% Loan to Value) Credit Score: 750 Escrow (impound) account is required. Rate lock period is 60 days. Fees: $3,000 to estimate closing costs in order to approximate an APR. For a quote with specifics to your scenario please click on rates which contain a link to a quoting or application tool.
Your Estimated Monthly Payment:
APR = Annual Percentage Rate. For estimation purposes only. Eligibility requirements and fees may apply.
Apply NowAnnual percentage rate for estimation purposes only. Payment examples do not include amounts for taxes and insurance premiums; actual payment obligation will be greater.
**These rates are estimates for purchase transactions only, not refinances. Actual rates may vary depending on your individual credit history and other qualifying factors. Rates, terms, and fees subject to change without notice. Subject to credit approval.
PRODUCT | RATE | APR |
---|---|---|
Conventional 30 Year Fixed | 6.625% | 6.806% |
Conventional 20 Year Fixed | 6.375% | 6.611% |
Conventional 15 Year Fixed | 5.750% | 6.040% |
Conventional 10 Year Fixed | 5.875% | 6.286% |
On average, our Mortgage Specialists have a minimum of twelve years of experience in helping members meet their mortgage needs.
Please use Chrome or Microsoft Edge to apply. This application is not compatible with Internet Explorer.
Brett Welborn
404.874.1166 ext 3725
Email Me | NMLS# 1579658
Joseph Kearney
404.874.1166 ext 7376
Email Me | NMLS# 96895
Katherine Kuring
404.874.1166 ext 7376
Email Me | NMLS# 126245
A point is equal to one percent of the principal amount of your mortgage. For example, if you get a mortgage for $100,000, one point means you pay $1000 to the lender. These points are usually collected at closing and may be paid by the borrower or the home seller, or may be split between them.
A rate that reflects the actual annual cost of a loan and includes the loan interest rate, private mortgage insurance, points and some fees.
These sample rates are published weekdays at 10:00am EST.
The information provided is general and assumes only the following scenario:
5/5 ARM
30-Year Fixed
15-Year Fixed