Georgia Home Loans
Achieve your Georgia dream by becoming a homeowner in the Peach State. Capstone Direct can enable you to get approved for the best home loans in Georgia.
Our innovative approach to mortgages can empower you to own your own home in one of America’s fastest-growing economic hubs.
Begin your journey to homeownership with American home loans in Georgia. Compare current mortgage rates in three minutes or less with Capstone Direct today.
Finance Your Home in Georgia
The real estate market within the Peach State is booming. Despite the hot market, Georgia’s homes remain remarkably affordable.
According to Federal Reserve Economic Data, the national median home price is $428,700, which is 19.52% higher than Georgia’s own median sales price. Choosing Georgia to purchase your home means gaining access to affordable, high-quality housing.
At Capstone Direct, we support you in your search for Georgia mortgage loans, regardless of your goals. Whether you need an apartment, a single-family home, or something more extensive, our experts will secure the most affordable home loans in Georgia.
Act now to write the next chapter in your family’s life. The Georgia Association of Realtors reveals that in January 2022, home values had risen by 17% year-on-year, with homes spending 21% fewer days on the market before they sold.
In this hot market, we can simplify the process of obtaining home loans in Georgia. Collaborate with our team, and we’ll assess your circumstances and examine the market to make tailored recommendations for financial products you qualify for.
Today, the cost to afford a house in Georgia stands at $345,000. We believe now has never been a better time to take advantage of this market and work toward Georgia home finance.
Start comparing rates from Mortgage companies in Georgia in three minutes or less with Capstone Direct now.
Types of Georgia Home Loans
Are you ready to secure a competitive mortgage you and your family can afford?
Your Georgia mortgage is only a few clicks away. Make the maze of home loan products simple with the mortgage lender in Georgia that streamlines the process and gives you peace of mind.
Here are some of the different types of Georgia home loans you could be eligible for.
Conventional Loans
Conventional loans that conform to Fannie Mae’s and Freddie Mac’s required standards are eligible for down payments amounting to as little as 3% of the purchase price.
These loans are perfect for low-income families and first-time buyers looking to climb the housing ladder.
If you choose to put down a 20% deposit on your home, you don’t need to take out private mortgage insurance. Remember, the federal government backs these loans.
VA Loans
VA loans offer no money down, no private mortgage insurance, and market-low interest rates. These loans are backed by the U.S. Department of Veterans Affairs and are designed to support this country’s fighting men and women.
You qualify for these loans if you’re an active service member, veteran, or a surviving spouse with a credit score of at least 640.
Contact the Capstone Direct team today to learn about how VA loans work.
FHA Loans
Loans through the Federal Housing Administration are designed for first-time buyers and people with lower credit scores.
With a score of just 580, you can put down just 3.5% of a down payment. Even people with low credit scores of 500 can qualify for an FHA mortgage in Georgia with a 10% down payment.
Be mindful that you must hold private mortgage insurance for the duration of the loan.
USDA Loans
USDA loans enable you to take advantage of affordable mortgages if you’re moving to an eligible suburban or rural area in the Peach State.
USDA loans from the USDA Rural Development Guaranteed Housing Loan Program come with no money down and low credit score requirements.
Buyers with credit scores of at least 640 qualify for expedited processing.
Jumbo Loans
Need to borrow more than a conventional mortgage allows?
Jumbo loans can provide funding in excess of $647,200 to enable you to make larger real estate purchases. Be aware that you may be required to put down as much as 20%, and the interest rates are usually higher.
Get in touch with Capstone Direct for more information on finding the most affordable jumbo loans.
Georgia Dream Loans
Achieve your Georgia dream through this state-sponsored loan program. Georgia Dream provides affordable mortgage rates, closing cost assistance, and down payment assistance for first-time buyers.
To qualify, you must complete a home buyer education program, invest at least $1,000, and have a credit score of at least 640.
Why Capstone Direct?
Capstone Direct is one of the leading mortgage providers in the country. Since 2007, we have supported thousands of American families to secure the financing they need to complete their home purchases.
Compare rates and get approved for Georgia home loans with the team that has your best interests in mind.
Our R.I.S.E philosophy enables us to do more than the average lender to alleviate the stress and strain of securing home loans for your housing purchase.
- Relationships – Strong relationships with all our stakeholders are vital to our success. We have cultivated a solid network to access the best mortgage rates.
- Integrity – We’re always honest and transparent in our dealings. Work with a reliable mortgage brand that’s always on your side.
- Service – Service is our specialty. Enjoy unbeatable service with fast response times and a team that gets right to the heart of the matter.
- Expertise – Decades of collective experience within the Georgia real estate market gives us the edge over the competition. Work with the housing experts on your mortgage search today.
Begin your journey to homeownership in the State of Georgia. Compare mortgage rates and determine your eligibility through tailored help from the Capstone Direct team. We walk you through every step to alleviate the stress and strain of closing on your forever home.
Contact one of our friendly agents to learn more about securing Georgia home loans with Capstone Direct.