Loan Programs

Financing Tailored Solutions

From first-time homebuyers to seasoned investors, we’re here to help you finance with confidence. At Atlanta Georgia Mortgages, we provide clear guidance through every step — whether you’re buying, upgrading, refinancing, or building long-term wealth through real estate investments.

With access to a wide range of loan programs, we help match you with the right solution to achieve your financial goals.

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Conventional Loan

A mortgage that is not insured or guaranteed by the federal government, making it a standard option for homebuyers with strong credit and stable income. These loans typically offer competitive interest rates and flexible terms for purchasing or refinancing a home.

Renovation Loan

A mortgage that allows you to finance both the purchase (or refinance) of a home and the cost of its renovations in a single loan. It’s ideal for buyers or homeowners who want to improve or modernize a property while spreading the expenses over the life of the mortgage.

FHA Loan

A mortgage insured by the Federal Housing Administration, designed to help first-time and lower-income homebuyers qualify with lower down payments and more flexible credit requirements. It’s ideal for buyers who may not meet conventional loan standards but want a secure path to homeownership.

VA Loan

A mortgage guaranteed by the U.S. Department of Veterans Affairs, available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. It offers benefits like no down payment, no private mortgage insurance, and competitive interest rates to support military families in achieving homeownership.

Jumbo Loan

A mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac, typically used for purchasing high-value homes. Because they involve larger amounts, jumbo loans often have stricter credit requirements and may carry higher interest rates than conventional loans.

Commercial Loan

A mortgage used to purchase, refinance, or develop income-producing properties such as office buildings, retail centers, or multi-family units. These loans are typically based on the property’s income potential rather than the borrower’s personal finances and may have different terms and interest rates than residential mortgages.

Refinance

Refinance refers to replacing an existing mortgage with a new loan, usually to secure a lower interest rate, reduce monthly payments, or access home equity. It can also be used to change the loan term or switch between fixed and adjustable-rate mortgages.