Determine your monthly mortgage payment using our free calculator. Buying a home is a milestone, and it’s one of the most significant purchases you can make. It’s important to know what your mortgage payment could be, and how much you can afford.

If you plan to make a downpayment of less than 20% of the home’s value at purchase, you will be required to purchase private mortgage insurance (PMI).* Legal

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Each month we produce a email newsletter that highlights an important topic in the realm of mortgages or homes in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.


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  Welcome  

At Southern Home Mortgage, we make the dream of home ownership come true for hundreds of families each year. With four professional, licensed loan originators covering all of Georgia, we work with a diverse group of clients ranging from first time homebuyers, to reverse mortgages and everyone in between. We have the expertise and resources to customize a loan program to fit our client's needs, and making sure our clients needs and financial goals are met is our number one priority.

We have dozens of lenders at our fingertips and can find a loan program to fit individual buyers and even unique properties including homes with acreage, homes that need renovations, condos, and homes in rural areas.  We are experts at USDA rural development, VA, FHA, and conventional loans and have some of the largest national banks on our list of available lenders.  And yet we treat every client like a neighbor, a friend, a part of our family. Welcome to the Southern Home Mortgage family.

 

 

 

Why Owning A Home Is More Than A Monetary Investment

November 22, 2017

Home ownership is not just a monetary investment. It takes funds, usually a mortgage (we can help with that) as well as time and energy, but owning a home is also a mental and emotional investment that can pay off in positive, sometimes unexpected ways.

Our homes are extensions of our personalities and lives.

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Making Your Black Friday Shopping Worth The Wait

November 21, 2017

The holiday season is just about here! You might not know who’s bringing the green bean casserole to Thanksgiving dinner, but the best Black Friday deals are already starting to emerge.

Even if spending the night camped outside a store is not for you, a bit of research could reveal a deal worth venturing out for,

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Home Equity Loans—What You Need to Know

November 20, 2017

Let’s talk home equity.

As we navigate the complex world of home financing, it’s important to know exactly what the term means, and how it relates to you. Here’s a basic definition as it pertains to the homeowner:

Equity is the difference between how much your home is worth and how much you owe on it.

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Buying
Refinancing
Reverse Mortgage

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FHA Loans
203k Loans
Veterans VA Loan

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Office Manager
Lending Operations
 

Buying a home

Every home is a milestone. Every mortgage is a cornerstone. Whether you're buying a new home, remodeling or ready to refinance, we understand that a loan is more than a tool to achieve your dreams -- it's a belief in you and the importance of your goals.

Refinancing a home

Take advantage of a lower rate that could reduce your monthly payment or change the term of your loan. Our outstanding customer service and commitment to provide transparent communications means that Open Mortgage makes your priorities our mission.
 

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