Financial Choices is here to help you find the best mortgage plan to suite your needs. Whether it is refinancing, purchasing a home, or cashing out we are here to offer you competitive rates to save you the most money.
| Loan Programs | Description |
|---|---|
| Agency Conventional Mortgages | 30, 20, 15 year fixed rate mortgages. |
| Agency Adjustable Rate Mortgages (ARM) | 10/1, 7/1, 5/1 terms. |
| Jumbo Loans | Mortgages exceeding $766,550 for a single-family unit in Georgia. |
| FHA loans | Down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties. |
| HomeReady® and Home Possible® Loans |
HomeReady® mortgages are home loans financed through the Federal National Mortgage Association (Fannie Mae). A HomeReady® loan helps borrowers with low to moderate income buy or refinance a home by reducing the standard down payment and mortgage insurance requirements.
Home Possible® mortgage program is backed by the Federal Home Loan Mortgage Corporation (Freddie Mac) and helps to finance low to moderate-income home buyers with similar benefits as the HomeReady® program. |
| Non-QM Loans | An option for those who don't meet the requirements for standard mortgages, which offer flexibility in terms of income and credit requirements, but usually with higher interest rates. |
| VA Loans | 0% down payment offered to U.S. military vetrans and spouses of vetrans. |