Manufactured homes continue to provide an affordable path to homeownership for many Georgia families. We work with a wide variety of conventional mortgage programs, including those backed by Fannie Mae and Freddie Mac. While the two agencies have very similar...
Buying a home in Georgia often takes careful planning, especially when it comes to saving for a down payment and closing costs. Fortunately, many first-time homebuyers receive financial assistance from parents, grandparents, or other eligible family members through...
Understanding how Fannie Mae, Freddie Mac, and FHA guidelines treat child support income can help borrowers prepare the right documentation and avoid delays during the mortgage approval process. We help borrowers across the state understand how their income is...
Across cities like Atlanta, Savannah, Augusta, and fast-growing suburbs throughout the state, more homebuyers are purchasing properties with Accessory Dwelling Units (ADUs). These can be basement apartments, garage conversions, backyard cottages, or in-law suites. But...
Each major mortgage agency, Freddie Mac, Fannie Mae, VA, and FHA, has its own underwriting guidelines, and understanding these differences can open doors for borrowers who may not qualify under one program but can qualify under another. Our specialty is Georgia home...
One important, and often overlooked, factor is Fidelity insurance, also known as dishonesty insurance, and how its requirements differ between Fannie Mae and Freddie Mac. We specialize in Georgia home loans and help borrowers navigate these agency differences to...
When you’re applying for a mortgage in Georgia, one of the most overlooked factors is PITI reserves. These reserves act as a financial safety cushion, showing lenders that you can continue making payments even if your income is disrupted. Conventional Loan Reserve...
If you’re starting a new job, receiving a scheduled raise, or transitioning careers, the difference between Conventional and FHA guidelines could determine which program fits your situation best. Conventional Loans in Georgia For Georgia homebuyers applying for a...
GeorgiaMortgage.com, powered by MortgageDepot, is a licensed Georgia mortgage broker, and we know how to finance properties in the state of Georgia. If you’re self-employed, own a business, or have multiple income streams, qualifying for a conventional mortgage can be...
If you’re applying for an FHA loan in Georgia, understanding how child support income is treated can make a big difference in your mortgage approval. While Fannie Mae and Freddie Mac have strict rules, the FHA offers more flexibility, which can benefit Georgia...
When purchasing a condo, lenders follow specific guidelines set by Fannie Mae and Freddie Mac regarding how many units a single investor can own in a development. These rules determine whether a condo is considered “warrantable” (eligible for conventional...
When applying for an FHA loan in Georgia, it’s important to understand how authorized user tradelines can impact your debt-to-income ratio (DTI). FHA guidelines have specific rules regarding these tradelines, and knowing them can help you confidently navigate the...
(678) 446-3600
