GeorgiaOne specializes in both non-conforming and conforming loans. We will service clients with perfect credit and those who have credit problems. Don’t think that because you have poor credit you cannot qualify for a loan! In many cases, this is simply not true. We deal with numerous investors who have a variety of programs to fit almost every borrower, regardless of credit history.

Jumbo Loan

A loan amount that exceeds $322,700 is considered a Jumbo Loan.GeorgiaOne Financial Mortgage has some of the best fixed and adjustable jumbo loan rates available. In addition, we have special loan programs for loans over $1,000,000 at extremely competitive interest rates. Let GeorgiaOne help you decide what loan program is right for you!

Conforming Loan

Loans that qualify for a Fannie Mae or Freddie Mac approval and are below the $322,700 loan threshold are considered “conforming loans”. When deciding on a loan program and rate/point combination, much of your decision should be based on how long you plan on remaining in your home and the affordability of the payment. Let us analyze your current financial situation and recommend options that will be of most benefit to you and your family. After all, for most people, your home is your greatest asset.

Purchase a New Home

If you have found the home of your dreams and need the right loan, look no further! GeorgiaOne offers a large variety of home loan options on primary residences, investment properties and vacation homes.

No Income Verification

We offer various programs to our clients who do not wish to provide employment or asset information as part of the loan process. Many self-employed or commission only clients take advantage of this service. We have even written loans for unemployed borrowers who meet the appropriate guidelines! If you fall into any of these categories and are searching for a loan, contact us today.

Cash Out Refinance

This is one of our most popular loan programs. Whether you need cash to pay off non-deductible interest loans, such as credit cards and car loans, or if you need money for college tuition or any other worthwhile reason, we can help! Let one of our mortgage consultants show you how much cash you qualify for and the best loan program(s) for your financial situation.
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Streamline Home Equity Line of Credit Program

Streamline Home Equity Line of Credit is a pre-approved home equity loan for borrowers who are funded with an eligible servicer first mortgage up to six months ago. There's no documentation requirements and the Super Streamline HELOC loan can close concurrently with a Fast & Easy home loan for salaried or self-employed borrowers with excellent credit, a great home loan package at a great price, up to 90% CLTV, with no reserves and no home mortgage insurance.

Expanded Home Mortgage Loan Approval

This is a series of niche mortgage products intended for borrowers with just slightly impaired credit. These are borrowers who fall just below A-paper loan criteria, but who don't really belong in a traditional subprime home mortgage loan product. With Expanded Loan Approval (ELA) mortgage loans, borrowers can get better terms and pricing than they would get with subprime home loans, with LTVs (loan to value) as high as 95%.
ELA mortgage loans are available for purchase money, rate-and-term refi's (refinance), even cashout refi's. Allowed property types include second homes, owner-occupied one and two-unit residences, manufactured home, and approved condos. There's even a home mortgage loan program that allows borrowers to lower their interest rate after two years based on timely monthly payments.

Calling us will cost you absolutely nothing and will take about 15 minutes of you time, with no obligation required.