Mortgage Broker Georgia, Local Mortgage Bankers - Interstate Home Loan

Mortgage Broker Georgia

Mortgage Broker Georgia2022-07-11T03:42:18+00:00

Need to get a mortgage in Georgia?

Purchasing a home is not as easy as deciding upon a property, signing documents and calling it yours. There are many steps that involve tedious paperwork. A lot of people rely on mortgages to finance their dream of buying a home. If you need help in getting a mortgage in Georgia, you have found the right place. Interstate Home Loan Center can serve as your guide as a mortgage broker in Georgia. Our team of experts can help to make the process to get a mortgage in Georgia relatively simple. We believe that you should be able to get the home you want at an affordable price. A mortgage broker can help you with choosing the right kind of loans that match your financial capabilities. Let us help you!

The team at Interstate Home Loan Center will make getting a mortgage in Georgia seem so much easier than if you were doing it on your own. We can handle all of the paperwork to ensure that you get a mortgage pre-approval in Georgia. Being pre-approved for a mortgage will get the seller’s attention and give your bid more weight than others. Given that you are making a hefty investment, you will need to consider a variety of loan options that best suit your current financial standing. Whether you’re a first-time buyer or an experienced real estate investor, figuring out the best loans does involve a bit of research. Our team can do that job for you and help you make an informed decision.

What to know when looking to get a mortgage in Georgia?

A critical factor that affects your ability to get a mortgage is having a good credit score. If you have a high credit score, it is a strong indicator for lenders to trust you with their money. It ensures that you will make timely payments. A low credit score serves as a greater risk as it indicates your poor management of borrowing and returning the money. On the brighter side, having a good credit score appeals to many lenders and thus gives you more options with a variety of interest rates to choose from. But, if you feel your credit score is limiting you from making your dream home a reality, get in touch with Interstate Home Loan Center today. We can help you navigate the process and get you that much closer to being a homeowner.

Another important factor considered in mortgages is the Debt-to-Income or DTI ratio. It is calculated by adding up all your monthly debt payments and dividing them by your gross monthly income. Your assets, savings accounts, and taxable investments are also considered during the mortgage approval
process.

At Interstate Home Loan Center, we can help you understand your financial situation. We want to help you secure the home of your dreams and be able to afford it. You cannot simply acquire a loan considering a single factor, you need to be able to sustain your expenses later on. We aim to protect your financial stability and at the same time help you own your house. We will help you realize your long term financial goals. When you work with Interstate, you’re in good hands and will get the best mortgage broker in Georgia.

Looking for a Mortgage Banker in Georgia?

If you have any doubts about whether you want a mortgage banker, you can reach out to Interstate Home Loan Center. We begin by educating our clients on all their options. You will see the advantages of having a mortgage banker in Georgia if you are looking for a home here. Having a full understanding of the state and its neighborhoods, we help you get closer to your dream home while managing the finances. We can help you get a new loan to refinance another for a lower interest rate. Buying a home is a big investment and when you have a Georgia mortgage banker to help you at every stage, it is a less overwhelming process.

Mortgage Broker Vs Mortgage Banker

As a potential home buyer, you can approach a mortgage broker or a mortgage banker to help you with your loans. However, you need to weigh the pros and cons of either. A mortgage banker in Georgia may successfully give you a loan; but a mortgage broker will have more financial institutions to choose from. A broker gets paid through a commission based on a percentage of the home loan’s value. Or alternatively, they can negotiate a flat fee for their services.

A mortgage banker in Georgia can be a company, individual, or an institution that uses their own money to lend mortgages to home buyers. They earn through loan origination and usually do not retain the mortgage in your portfolio. Having a mortgage banker in Georgia will help you understand the different loan options. They have more control over the transaction than a broker. Trust Interstate Home Loan Center to be your Mortgage Banker in Georgia. Getting a home loan doesn’t have to be a stressful process. We have a highly experienced team of mortgage bankers on staff. We have the financial experts you need to get the results you want.

A majority of the reasons why real estate transactions don’t go through is because a buyer hasn’t been pre-approved for a mortgage. Let Interstate Home Loan Center, a Georgia Mortgage broker, change that. We will help you secure the home of your dreams!

Still have questions? Call us today at 1-888-624-1414

Quick Quote

Interest Rates

At Interstate Home Loan Center, we take pride in offering our clients the lowest interest rates possible. Whether you are looking to purchase or refinance, the team at Interstate is ready to help you secure the best rate possible! Contact Interstate today for more details.

20-YR FIXED

5.00%

5.14% APR

Lender Fees – $995
Points – $0

30-YR FIXED

5.25%

5.37% APR

Lender Fees – $995
Points – $0

15-YR FIXED

4.50%

4.61% APR

Lender Fees – $995
Points – $0

**Disclaimer This is not a commitment to lend. Terms and conditions apply. Interest rate and annual percentage rate (APR) are for informational purposes only. Rate and APR are based on single family, owner-occupied, primary residence purchase of conforming loan sizes with 60% loan-to-value and assumes 780 FICO score. Rates are prevailing and subject to change. Call for today’s live rate.

Our Process

Securing a mortgage doesn’t have to be stressful or time consuming. We believe in full transparency, and getting your loan approved FAST! You will be able to track the status at all times while we are working to move forward on our end. Any hold up can cause you to lose out on a home you’ve put an offer in on! At Interstate, our process is seamless and best of all, quick!

0
Average number of DAYS to get a loan commitment from Interstate Home Loan Center
0
Average Number of DAYS to close your loan.
0
Average number of MINUTES it takes to complete our loan application.

FAQs

What is the best way to get a mortgage in Georgia?2022-07-11T11:02:25+00:00

It is a good idea to do some research on mortgage programs and rates. You can do most of your research on-line or by phone. Organize the necessary financial paperwork and contact the team at Interstate Home Loan Center. We can help you navigate the process of getting a mortgage in Georgia. When making mortgage comparisons, you must be sure you are comparing mortgages of similar terms, i.e. a 30 year vs. a 5 year, do the mortgages you are comparing have prepayment penalties and do they have similar rate lock durations? There is a lot of difficult jargon when it comes to getting a mortgage in Georgia. Let our experts help you select the best option for you and your financial goals.

What does a Mortgage Banker in Georgia do?2022-07-11T11:02:32+00:00

Mortgage Bankers work for a financial institution and help individuals obtain a mortgage loan. Their years of experience in the industry and relationships with lenders can provide either first time home buyers or seasoned real estate investors with the tools they need to secure a loan that fits their financial goals. Contact the team at Interstate Home Loan Center to find out how our Georgia Mortgage bankers can help you in the home buying or refinancing process!

If I have a bad credit score, can I still get a mortgage in Georgia?2022-07-11T11:02:40+00:00

The truth is that it depends on how low your credit score is. If you think your credit score may cause an issue in obtaining a loan, please reach out to our office. The team at Interstate Home Loan Center has experience is working with individuals with lower credit scores and helping them get a loan to purchase a home in Georgia. Our experts can also advise you on immediate steps you can take to bring your credit score back up!

Accessiblity (CTRL+M)
Accessible Icon Project logoThe final icon, in blue and white, closely similar to the original version but with the body foregrounded, and wheel cutouts to suggest motion.