Loan Programs

We are proud to offer a wide range of loans that will fit any type of housing need for our clients.

Conventional Loans

A conventional loan is perfect for homebuyers that have excellent credit and a small nest egg saved for a down payment. With a 3%* down payment, conventional loans offer the lowest rates and a range of terms such as fixed for 30, 20, 15 or 10 years or you may choose to get an even lower rate by going with an adjustable loan.

First Time Homebuyer Programs

Buying that first home is a huge financial step. There is a lot to understand and Inlanta Mortgage is here to provide our clients with all the information they need in order to locate the best home for their situation. We can offer loans with little to no money down, low interest rates and possibly cover some of the closing costs. Give us a chance to answer your questions and, more importantly, put your mind at ease about the possibility of owning your own home.

FHA Loans

The Federal Housing Authority (FHA) is a government organization and has a set of rules in place that dictate who can lend money under their authority and who can be approved for their mortgage loans. Inlanta Mortgage is an approved FHA lender and we will help you get the FHA loan that you need. Whether it is to purchase a home with a very low down payment, or refinance an existing loan with cash out, or buy a property and totally renovate it with one loan, we can meet your needs. FHA mortgages routinely approve borrowers with less than perfect credit and they allow gift funds to be used for the down payment.

VA Loans

The Veterans Administration (VA) is a government organization that has rules designed to designate which lenders are allowed to offer VA mortgages as well as who can be approved for the mortgages. For qualifying veterans, there is no requirement for a down payment on an approved VA mortgage. The VA loan guidelines also are somewhat lenient towards credit history. The VA mortgage process has developed a method for analyzing the borrower’s current income and debt to determine the optimum amount for a home loan. This method has resulted in VA mortgages having the lowest default rate of all the various types of mortgages.

USDA Rural Housing Loans

The United States Department of Agriculture (USDA) has a mortgage program that will allow people to purchase a home with no down payment. Designed for moderate-income individuals, this program is a great way for people to purchase a home without a huge cash burden at closing. Although the USDA will only approve a loan on a property that is in a designated rural area, we have some good news: our research has indicated that there are designated rural areas in almost every single county across America. In fact, most major cities have designated rural areas just a few miles away.

Jumbo Loans

If you are looking for a home and anticipate borrowing more than $484,350, a Jumbo loan is perfect for you. Jumbo loans will typically require a down payment between 10% and 20%. However, the interest rate is very competitive with conventional loans. To make things better, if you do pay 20%, you will not have to pay mortgage insurance. This means every dime you pay will either go towards the mortgage or the property taxes/property insurance.

If you have a unique loan situation and it does not fit into any category above, please contact us so that we may give your situation more personal attention and find a program that will fit your needs.

So what are you waiting for? Call us and start your Loan Application Today!