Capital Home Mortgage Georgia

Georgia Home Loans
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Georgia Mortgage Lender

Home Loans in Georgia

Welcome to Capital Home Mortgage Georgia, where our goal is to provide Georgia Home Loans to Georgia homebuyers and homeowners with low rates and fees while providing exceptional service.

First, we want to thank you for the opportunity to earn your business.  We understand that purchasing a home is the biggest decision of the most people lives and that is why Capital Home Mortgage Georgia provides dedicated points of contact throughout the entire mortgage process.  This ensures a stress-free smooth experience finishing with an on time closing.  After all buying a home should be exciting, not stressful.

As a direct Georgia Mortgage Lender, Capital Home Mortgage Georgia controls the lending process from start to finish.  Our in house processing and underwriting allows for quick make sense approvals and on time closings.  This control means from application to funding we make every decision.

Capital Home Mortgage Georgia is a full-service Georgia Mortgage Lender that offers a wide range of mortgage products as well as competitive Georgia Mortgage Rates.  Whether you are a first-time purchaser seeking an Georgia FHA Home Loan, looking for a rural property and needing an Georgia USDA Home Loan, an active or retired veteran in need of an Georgia VA Home Loan, or a seasoned buyer in need of an Georgia Conventional Home Loan, we are here to Help.

Call today (678) 528-0548 to speak with our Georgia Loan Officers.

Georgia, is located in the southeastern United States, is a diverse and dynamic state with a rich history and a mix of urban and rural landscapes. Known for its diverse geography, ranging from coastal areas along the Atlantic Ocean to the mountainous regions in the north. The state features the Appalachian Mountains in the northwest and the coastal plains in the southeast.

Georgia has a diverse and growing economy with key industries include technology, film and entertainment, manufacturing, agriculture, logistics, and healthcare. Atlanta, in particular, is a major business and transportation hub. The state is home to several prestigious universities and colleges, including the University of Georgia, Georgia Tech, and Emory University.

Georgia has a rich history, with influences from Native American cultures, European colonization, and the Civil Rights Movement. Visitors can explore historic sites such as Savannah’s historic district, antebellum homes, and Civil War battlefields.

Georgia’s real estate market is diverse and dynamic, with a mix of urban and suburban areas offering a range of housing options.  Beyond the urban centers, Georgia has rural and suburban areas with a more relaxed pace of life. These areas may appeal to those seeking a quieter lifestyle.

The capital city, Atlanta, is a major hub for real estate activity. The city and its suburbs have seen significant growth in recent years, with a mix of residential, commercial, and mixed-use developments.

Georgia has a mix of housing options, including single-family homes, condominiums, townhouses, and apartment complexes. The state offers a variety of architectural styles and price ranges to cater to different preferences and budgets.

Generally, Georgia has been considered more affordable than some other states, particularly in comparison to cities like New York or San Francisco. However, home prices can vary significantly depending on the specific location within the state.

Georgia’s economy has been robust, driven by sectors such as technology, healthcare, logistics, and manufacturing. Economic growth can positively impact the real estate market by creating demand for housing.

The job market in Georgia is diverse, and cities like Atlanta are known for their job opportunities. Employment growth often correlates with housing demand.

Thank you again for allowing us to help you with your Georgia Home Loan.

Georgia Home Loans

Georgia Conventional Home Loans

Georgia Conventional Home Mortgage adhere to Fannie Mae and Freddie Mac requirements.  These loans can be used for primary residence, secondary and investment properties.  Typical eligibility requirements include a minimum credit score of 620, a stable income, and a minimum down payment.  Conventional Home Loans are also called Conforming loans and have capped loan limits that are updated annually on January 1st base on the median selling price within a local area.

Georgia FHA Home Loans

Georgia FHA Home Mortgage is a mortgage insured by the Federal Housing Administration or “FHA” and issued by an FHA-approved lender.  FHA loans are designed for low-to-moderate-income applicants and first time homebuyers who need a smaller down payment.   However, FHA home loans can be used by anyone.

FHA home loans feature a low down payment, flexible credit score requirements and the ability to use gift funds for the down payment.  Other eligibility requirements for a Gerogia FHA home loan is consistent employment history and documented income.

Georgia VA Home Loans

Georgia VA Home Mortgage is a mortgage option for qualified veterans, active-duty service members, and select surviving spouses in Georgia.  These loans are made by private lenders but are guaranteed by the United States Department of Veterans Affairs, allowing for favorable terms such as no down payment and no private mortgage insurance (PMI).   VA home loans are widely available, with competitive interest rates and liberal credit standards.

Georgia USDA Home Loans

Georgia USDA Home Mortgage is a zero down mortgage program provided by the US Department of Agriculture (USDA) to assist low-to-moderate-income buyers . USDA home loans are classified into two types: USDA-Guaranteed and USDA-Direct.  The USDA-Guaranteed Home Loan is made available by a private lender and guaranteed by the USDA, whereas the USDA-Direct home loan is made available directly by the USDA.  To be eligible for USDA financing, the residence must be located in an approved rural area and household income cannot exceed 115% of the median household income in your area for Guaranteed Loans.

Georgia Jumbo Home Loans

A Georgia Jumbo Home Mortgage is a mortgage that exceeds the standard conventional loan limits.  These loans are widely utilized to finance luxury properties and have grown in popularity as values have continued to increase.  Jumbo loans frequently include fixed-rate durations such as 30-year and 15-year and adjustable-rate alternatives. Financing of up to $3,000,000 is offered at 90% with no PMI (Private Mortgage Insurance).

Georgia Non QM Home Loans

Georgia Non-Qualified-Mortgage-Loans, also known as a Non-QM loan, is a form of mortgage loan that does not meet the government-sponsored enterprise (GSE) requirements for a qualified mortgage.  Borrowers who fail to meet the tight standards of a qualifying mortgage, such as those with irregular income or a high debt-to-income ratio, are perfect candidates for this sort of loan.

Georgia One Time Close construction Home Loans

One Time Close Construction Mortgage Company
A Georgia One-Time Close Construction Mortgage is distinct from a traditional construction home loan in combining the construction loan and the permanent mortgage into a single loan.  This means you only have to go through the application and closing process once, saving time and money.  A traditional construction home loan requires you to apply for a separate mortgage after the construction is completed.  An OTC loan also can. be combined with other standard mortgage products resulting in much smaller down payments.
One Time Close Construction Mortgage Company
Why Georgia HomeBuyers are Choosing Capital Home Mortgage
Close On Time

Complete Control from Application to Funding

Low Rates & Low Fees

Direct Lender with Competitive Rates & Low Fees

Exceptional Service

7  Day a Week Support Application to Final Mortgage Payment

Georgia Mortgage Rates

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness
Georgia Mortgage Programs

Georgia Home Purchase loans

Looking to Purchase a Georgia Home?

Looking to Purchase a Home? We have the loan program for you… Call today to speak with a loan officer to discuss your personal mortgage options.
  • Primary, 2nd Home, Investment
  • Low Rates & Fees, No fee Options
  • FHA, VA, USDA, Native American
  • Conventional, Jumbo & Renovation
  • Manufactured, Construction, Reverse

Georgia Renovation Home Loans

Looking to Rehab a Georgia Home?

Want the Charm of an Older Neighborhood? But want a new place or a fresh look? Why not a renovation loan? Purchase the Perfect Home and make it your own.
  • Remodel, Renovate or Repairs
  • FHA 203K Streamline 
  • FHA Full Documentation Rehab
  • Fannie Mae Homestyle Reno
  • Freddie Mac Home Choice Reno

Georgia FHA Home loans

Great 1st Time Georgia Homebuyers

FHA Home Loans are great for first time home buyers, buyers with less than perfect credit, or buyers needing less out of pocket.   Call today to get started.
  • Smaller Down Payments
  • Flexible Underwriting Guidelines
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Down Payment Gifts Allowed

Georgia va Home Loans

100% Financing for Georgia Vets

Proudly Serving Active Duty servicemen and women, as well as, retired and disabled veterans. Call today to speak with a VA loan officer.
  • No Mortgage Loan Limits
  • Simple Qualifying
  • Higher Debt to Income Allowed
  • Lower Credit Scores – Down to 500
  • Manual Underwriting Allowed

Georgia Conventional Home loans

Flexibility for Georgia Homebuyers

Conventional Home Loans are the best option for flexibility of property types and for mortgage loan terms. Call today to get speak to a loan officer.
  • Primary, 2nd Home, Investment Properties
  • Single and Multi-Family Properties
  • Variable Mortgage Insurance Options
  • Low Rates & a Variety of Mortgage Terms
  • Renovation Programs Available

Georgia Jumbo Home Loans

Georgia Non-Conforming Home Loans

Jumbo Home Loans also called Non Conforming Home Loans are great options for buyers needing financing outside of agency limits. Call today.
  • Primary & 2nd Homes
  • Variety of Mortgage Programs
  • Simple Qualifying for Veterans
  • Investor Specific Guidelines
  • Credit Score Minimums

Georgia USDA Home loans

100% Georgia Rural Home Loans

USDA Loans are a great option for families wanting to live outside of the city.  Call today to speak with a loan officer to discuss your personal loan options.
  • Primary Residences
  • No Down Payment Required
  • New Manufactured Homes Allowed
  • Closing Costs / Repairs Rolled In
  • Geographic and Income Limits Apply

Georgia Native american Home Loans

Not Available in Georgia

HUD 184 Home Loans are solely for Native American and offer a variety of benefits.  Call today to speak with a loan officer to find out more.
  • Primary Residence Only
  • Manual Underwriting for All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed
  • Purchase, Refinance, and Renovation

Georgia Manufactured Home loans

Great Alternative Georgia Housing

Manufactured Home Loans offer options to purchase an existing residence or build your dream home on your own land. Call today to speak to a Loan Officer.
  • Existing Purchase or Refinance
  • New Construction
  • One Time Close Land/Home Combo
  • Lock at Contract
  • FHA, VA, USDA, Native American

Georgia Reverse Mortgage Loans

Your Georgia Home at Work

Reverse Mortgage Loans offer seniors options to use their home’s equity for cash or to eliminate payments. Call today to get speak to a Reverse Loan Officer.
  • Primary Residence Only
  • Simple Qualifying – Equity Based
  • No Credit Score Requirements
  • Minimum Age 62
  • Purchase, Refinance, and Cash-Out

Georgia Non QM Home loans

Making Georgia Mortgages Possible

Looking for Non Traditional Home Mortgage Loan?  Contact a Loan Officer Today to discuss the alternative mortgage options currently available.
  • Purchase, Refinance & Cash-out
  • Primary, Secondary, Investment Properties
  • Full Doc Programs
  • Alt Doc Programs
  • Corporations OK

Georgia One Time Close Home Loans

Build Your Georgia Dream Home

Want to Build? But unsure of what the future looks like? Remove the risk with a One Time Close Construction Loan.  Call today to see how a OTC loan works.
  • Primary Residences Only
  • One Time Close
  • Lock Rate at Closing
  • Traditional Final Mortgages
  • No Payments During Construction

Georgia Refinance Mortgage loans

Georgia Rate & Term Refinance

Refinancing can be a hard decision and the payback can sometimes be confusing.  Call today and let our Loan Officers walk you through the process.
  • Lower Monthly Payment
  • Shorten Mortgage Term
  • Streamline Options Available
  • Appraisal Waivers Allowed
  • VA IRRRL’s

Georgia Cashout Mortgage Loans

Georgia Equity Mortgage Loans

Cash-Out Mortgage Loans make use of the equity in your home by allowing you to refinance the current mortgage and access this equity to use as you see fit.
  • Debt Consolidation
  • Investment Opportunities
  • Home Improvement
  • Dream Vacation
  • Higher Education

Georgia Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

Rebecca Solomon

Sr Loan Officer
NMLS #156188

Georgia Mortgage Company Reviews

Georgia Cities

Atlanta Home Loans

Columbus Home Loans

Augusta Home Loans

Savannah Home Loans

Athens Home Loans

SANDY SPRINGS Home Loans

State Specific Mortgage Information
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