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Shop Georgia Mortgage Loans

With Georgia mortgage rates becoming more affordable than ever, local applicants should feel confident they are getting the best rate possible for buying or refinancing a home. If you are tired of dealing with loan brokers that do not understand your local housing market, then you will enjoy the lending process at Nationwide. Georgia mortgage loans of all types are available to qualified borrowers. If you are buying a home, talk with a Georgia lender who can help you get a pre-approval letter quickly and that may help your offer get accepted.

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  • Refinance your existing 1st or 2nd mortgages
  • Learn how Bill Consolidation may help you save money
  • Interest Only Home Mortgages
  • Convert your adjustable rates to a Fixed Rate Loan
  • Rebuild your credit & Raise your Scores
  • Cash Out Jumbo Refinancing
  • Get Info on Cash Back Loans
  • Finance Home Improvements
Mortgage Rates for Georgia Cities
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Compare FHA Lenders in Georgia

We can connect you with mortgage companies that offer bank pre-approval letters for first time homebuyers!

 

 
Mortgage Terms to Know for the Loan Process

Conventional Loan

Second Mortgage

Escrow

A mortgage loan not insured by FHA or guaranteed by the VA. Fannie Mae sets the conforming loan amounts and for 48 states any loan amount under $417,000 for 1-4 unit properties. For more information and guidelines by state, please visit www.fanniemae.com

A fixed or adjustable rate loan, secured by the equity in your home. Interest is usually tax-deductible to 100% CLTV. Often used for home improvement or freeing of equity for investment in other real estate or investment. Great loan for refinancing to replace or substitute for consumer loans whose interest is not tax-deductible like credit card debt and personal loans.

An account held by the mortgage lender into which the homebuyer pays money for tax or insurance payments. Also earnest deposits held pending loan closing by a 3rd party.

Index Closing Costs Refinance

The relationship between the unpaid principal balances of all the mortgages on a property and the property's appraised value.

A mortgage loan with an interest rate that is fixed for the term of the loan. Monthly payments are fixed evenly for a specific term.

A loan which is larger (more than $417,000) than the limits set by the Federal National Mortgage Association and the Federal Home Loan Mortgage Corporation.

Deferred Interest

Impound

Negative Amortization

When a mortgage is written with a monthly payment that is less than required to satisfy the note rate, the unpaid interest is deferred by adding it to the loan balance. This is common with negative amortization loans.

Reserves of a borrower's monthly payments held by the lender to pay for taxes, hazard insurance, mortgage insurance, lease payments, and other items as they become due.

Occurs when your monthly payments are not less than the interest due. This unpaid interest is added to the unpaid balance of the loan. The danger of negative amortization is that the homebuyer ends up owing more than the original amount of the loan.

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