Associated Mortgage is a mortgage brokerage service committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straight forward by offering you the latest in financial tools that enable you to make sound financial choices. Associated Mortgage was founded in 1989, as a mortgage brokerage service dedicated to the philosophy of examining your mortgage requirements then obtaining the best lender that satisfies your needs.   Whether it is cashing out your home equity, purchasing a new home, refinancing your existing home or consolidating your credit card debt, Associated Mortgage is a no hassle way to ensure the lowest rates and the highest possible customer service. We understand how difficult the lending process can be and we would like the opportunity to earn your friendship and trust. Even if you have less than perfect credit, let us pinpoint the lenders that will ignore past credit issues and approve your loan.  We have been providing mortgages for home owners and their families for more than a decade, by being there and helping them in their time of need. Our founder, Debbie Brilling, is not only an experienced and licensed professional, but also has an in-depth knowledge of loan preparation, processing and underwriting. Her success is measured in the number of repeat customers and word of mouth referrals we receive each year. Associated Mortgage believes in helping others obtain mortgages in an environment that is honest and fair with your best interests at heart. Our goal is for you to become a 100% satisfied customer and then share your loan experience with your friends and family. Homeownership has many advantages - both financial and personal. But buying a home is an important decision. Look at the benefits and the differences between homeownership and renting to better understand if owning a home is right for you. You may earn significant tax savings because you can deduct mortgage interest and property taxes from your federal income tax and many states income tax if you itemize your deductions. Your monthly housing loan or mortgage expense can remain the same for the life of your mortgage, depending on the type of loan you choose. You may build equity in your home over the life of your loan, which allows you to plan for future goals like your child's education or your retirement. Renters are typically free from maintenance obligations such as repairs or lawn care. Homeowners often have more freedom in decorating, landscaping, etc. Renters can move more easily and more quickly than homeowners and there are higher costs associated with buying and selling a home. Homeowners have a financial investment and may build equity in their home. Mortgage lenders typically use the housing expense and debt-to-income ratios to more accurately determine how much you can afford to spend on your mortgage. Mortgage lenders recommend that your monthly mortgage payment should be less than or equal to a quarter of your monthly gross income. This percentage can change based on the type of mortgage you choose and sometimes the area in which you're looking to buy. You need to factor your other debts into determining an affordable monthly mortgage payment. Mortgage lenders look at whether your total debt is larger than 30-40% of your monthly gross income. Remember, debt is not just credit cards and student loans. It can also include alimony, child support, car loans, and housing expenses. A mortgage lender, a housing counselor, or consumer credit counselor can help you better understand these guidelines. Before you talk to a financial professional, you can organize your financial picture by creating a budget [PDF 76K ]. Don't forget that you also have to save for the down payment, closing costs, inspections costs, moving, and other related expenses. After you apply for a mortgage, your lender will work with you to determine a settlement date. You may also want to lock in an interest rate at this time. The next step is the qualification process. Your lender will review your application and decide whether or not to approve it. Be sure to answer any questions quickly and honestly. Follow up with your lender to get the status of your application. If you're turned down for a mortgage, ask why. By law, you should receive a written disclosure statement from the lender indicating the reason(s) your loan was turned down. Common reasons include too much debt or credit that needs improvement. If you get turned down, talk with your lender and develop a plan. You may try to qualify for a smaller mortgage or reapply after you've paid off some of your debt. The final step in the mortgage process is the closing meeting. This is where all the documentation is completed, up-front costs are paid, the necessary papers signed and you get the keys to your new home. One common way people find homes in their price range is by using a real estate agent. The agent can look for homes that meet your needs and financial circumstances, and can help you narrow your choices. Unless you decided to hire a buyer's agent (see adjoining column), the seller pays the agent's fee, so there's no cost for you. Ask your family and friends for referrals. You can also look at newspaper ads for "open house" listings and talk with the professionals showing houses. You'll want to choose an agent who makes you feel comfortable and can provide the knowledge and services you need. Please feel free to use our list of recommended Real Estate Agents. Real estate agents can help you find the kind of home you want, examine comparable homes, and compare different neighborhoods. When you're ready to make an offer on a home, an agent will usually handle the negotiations with the seller, including presenting your bid. Your agent can also refer you to a mortgage lender, although you should still shop around. The lender will give you a pre-approval letter, handle pre-qualification, and help you secure mortgage financing. When you've decided on a lender and type of mortgage, your lender will provide a mortgage application. The "Uniform Residential Loan Application" requires personal information such as your income, assets, liabilities, and a description of the property. You may need to pay an application fee that covers the lender's processing costs. Be sure to ask if the application fee is refundable. You can submit your application in person, by mail or fax, or online [PDF 50K ]. If you need to settle quickly, ask your lender about an alternative documentation loan. This type of loan allows the lender to accept your application with your last two W-2 statements and the most recent month's computerized pay stubs. Adjustable-rate mortgages (ARMs) are popular because they usually start with a lower interest rate and a lower monthly payment. The lower rate (and lower monthly payments) may also allow a higher loan amount. However, the interest rate can change during the life of the loan, which would mean that your monthly payment would increase (or decrease). All ARMs have adjustment periods that determine when and how often the interest rate can change. There is an initial fixed-rate period during which the interest rate doesn't change - this period can range from as little as 1 month to as long as 10 years. After the initial period, the interest rate will often adjust each year. For example, with a 3/1 ARM, your interest remains the same during the first 3 years, and then can adjust every year following, up to a maximum amount (the "lifetime cap"). At the end of the initial period and at every adjustment period, the interest can change based on two factors: the "index" and the margin. Interest rate adjustments are based on a published index. There are many indexes but some commonly used for ARMs are the LIBOR and the U.S. Treasury Bill. The rates for indexes reflect current financial market conditions, which is why your interest rates can change at each adjustment period. The margin is the amount (shown as a percentage) that is added to the index to determine what your new mortgage rate will be until the next adjustment period. All ARMs have rate caps, also known as ceilings and floors. Caps decide how much the interest rate can increase or decrease at each adjustment period and over the life of the loan. Most ARMs have a lifetime cap that limits the amount your interest rate can increase over the life of your mortgage. There are several types of ARMs, such as the 10/1, 7/1, 5/1 and 3/1. The first number (10 for example) is the length of the initial period, during which the interest rate can't change. The second number (1 for example) is how often the ARM is adjusted after the initial period. So, a 10/1 ARM won't change for the first 10 years, but can change in the 11th year and again every year after that. Depending on the initial cap the change could be as high as 5 percentage points above what it was before. ARMs can, and often do, have interest rate increases at adjustment periods. You may have an increase in your monthly mortgage payment after each adjustment period. The amount your mortgage might increase would depend on the periodic cap (how much of an increase is allowed each year), the lifetime cap (the maximum interest rate or maximum number of increases allowed), and the size of your mortgage's margin. If the life cap is 5%, the maximum interest rate adjustment would be to 10.75%. This disclosure includes information about terms and costs associated with an ARM, past performance of the index to which the interest rate will be tied, and the "Consumer Handbook on Adjustable-Rate Mortgages." If you don't pay your monthly mortgage payments over a period of time, your mortgage lender can foreclose on your home. This means the lender will take the title to your property for non-payment and then sell the house to recover the amount you owe them in your mortgage. The foreclosure becomes part of your credit report and may adversely affect your ability to secure credit in the future. To avoid foreclosure, you should save enough to cover 3-6 months of your housing costs to help with unexpected emergencies, like job loss, divorce or separation, serious illness, or the death of a loved one. If you're having financial problems, contact your mortgage lender immediately. Most lenders would much rather help you remain in your home and will work with you to help you avoid foreclosure. If you're thinking about buying a home, you should also be thinking about your credit. The first step in the home buying process is understanding your credit. When you apply for a mortgage, lenders will review your credit report. Your credit report is a history of how you've managed your finances: it's a record of money you've borrowed and your history of paying it back. Your credit report is a record of all your credit transactions whenever and wherever you've used credit to purchase goods and services. Your credit will have a big influence on whether or not you can get a mortgage, the terms of that loan, and the interest rate. If you have good credit, you may have a much wider range of mortgage offers with lower rates. Before you make a decision, you should compare your wants and needs. Also look at the short-term and long-term costs associated with each house you're considering. Are the appliances in good condition? What about the back yard? What are commuting costs? Use written descriptions of each home - from your worksheets or your real estate agent - to help you compare. Revisit your wants vs. needs worksheet [PDF 33K ]. And don't forget to look at your neighborhood wants vs. needs worksheet. You can get the home's past sale prices through county courthouses and recorder's offices, many of which have this public information also available online. You can also check with your real estate agent. See if the value has risen or fallen over time. The number of bedrooms and bathrooms, square footage, and other characteristics greatly affect the value. In many cases, the seller and their agent provide this information to all prospective buyers. You can also get this information from the tax assessor's office. Ask your real estate agent for sale prices of comparable homes in the same neighborhood. If you're thinking about buying a home, you should also be thinking about your credit. The first step in the home buying process is understanding your credit. When you apply for a mortgage, lenders will review your credit report. Your credit report is a history of how you've managed your finances: it's a record of money you've borrowed and your history of paying it back. Your credit report is a record of all your credit transactions whenever and wherever you've used credit to purchase goods and services. Your credit will have a big influence on whether or not you can get a mortgage, the terms of that loan, and the interest rate. If you have good credit, you may have a much wider range of mortgage offers with lower rates. Your credit report should accurately represent your credit history. From the moment you first apply for a loan or a credit card, you likely have a credit history. Credit-related transactions appear on your credit report, including your current debts, paid debts, and payment histories. Your credit report is compiled by three private companies: Equifax, Experian, and TransUnion. These companies sell your credit report to banks and other creditors so they can review your past credit history. Adverse or derogatory credit information in your credit report is required to be deleted after 7 years (bankruptcy-related information is required to be deleted after 10 years). Your credit report is continuously updated, which is why you should always know what it looks like. In recent years, some unscrupulous creditors have not reported positive credit information on a timely basis. You want to make sure positive information is reflected accurately, so check your credit often. A credit score is a single number that helps lenders and others decide how likely you are to repay your debts. One common credit score is a FICO score. (FICO stands for Fair Isaac & Co. Credit, the company that developed the scoring method.) FICO scores range from 300 to 850 points. When you apply for a mortgage, your credit score is evaluated. Your credit score may also be a factor used to determine the mortgage interest rate. Late payments will decrease your credit score. If your credit cards are at their limits, this can lower your credit score - even if the amount you owe isn't large. Similarly, consolidating your debts onto one card can also lower your score. Your credit history is important. If you show a pattern of managing your credit wisely, keeping credit card balances low, and paying your bills on time, your credit score will be positively affected. If you've applied for several credit cards at the same time, your credit score can go down. This includes credit cards, retail accounts, installment loans, finance company accounts, and mortgages. Your credit score is only one factor in the credit decision. Mortgage lenders also look at your credit report, employment history, income, how much of your income goes to pay debt, and the value of the home you want to buy. Before you start house hunting, decide on what you really need. Then list the features that would be nice to have. Once you have a clear idea of what you need as well as what you would like in a house, finding that house will be much easier. Be realistic. Looking for a home takes time, so focus on what's important to you. After looking at lots of homes, the line between "I need a garage" and "I want a garage" can get very blurry. Many people focus more on what they'd like to have instead of focusing on what they actually need - that can mean they pass up a home that meets their needs in hopes of finding one that meets their wants. Ultimately, you should be able to find a home that is a blend of your needs and wants. To help keep your priorities in order, make a wish list and a must-have list, and take them with you whenever you look at a house. Share them with your real estate agent as well; he or she can search for homes based on your list. When you buy a home, there are several up-front costs you should be aware of, particularly down payments and closing costs. A down payment is usually between 3% and 20% of the total cost of the home. The amount of the down payment depends on your credit history, income, the cost of the home, and the type of mortgage you choose. Some lenders also have loan options that allow for no down payment at all. If your down payment is less than 20%, you will need private mortgage insurance (PMI). This is insurance you pay to protect the bank if you don't repay your loan in full. PMI is added to your closing and monthly mortgage costs. When you apply for a home loan, many mortgages require you to also have at least two month's worth of mortgage payments saved, called reserves. However, there are mortgages that do not require reserves. Most lenders want to know the source of your down payment and have restrictions about how much can come from gifts from your relatives. In most cases, these gifts will need to be documented. Ask your lender for more information. Closing, or settlement, costs are fees you pay when you actually get your loan from your financial institution. These include points, taxes, title insurance, financing costs, items that must be prepaid or escrowed, and other settlement costs. Closing costs generally range between 2-7% of the loan value. You'll receive an estimate from your lender after you apply for a mortgage. You must pay these costs at the time you close on your loan. The closing costs calculator is a helpful tool to determine what your costing cost could be. Most lenders will allow the seller to pay some or all of the closing costs and the term for this is called "Sellers Concessions". The amount the seller is allowed to contribute to the closing costs is usually between 3-6%. Pay your bills on time. Credit scores emphasize your most recent payment record. Paying on time raises your credit score. If you've been late, start paying on time! Pay at least the minimum amount required. You can always pay more - and it's a good idea if you can afford it. But you should never pay less than the minimum. Keep your credit card balances low. Don't "max out" your credit cards - that can lower your credit score. Don't apply for too many loans or new accounts. Applying for a lot of credit in a short period of time may concern lenders that you won't manage your debt well. Only apply for credit when you need it. Keep your debt-to-income ratio at 20%. Generally, you should not have credit card or other installment debt that's more than 20% of your net monthly income. Establish credit if you don't have any. Open a free or low-cost checking or savings account and make regular deposits. Only write checks when you have money to pay for things. And apply for one or two credit cards, use them carefully, and pay them off each month. When you apply for a mortgage loan, the lender will often look at "the three Cs" to review your application. They want to ensure that you're a good risk and can be trusted to pay back the loan. Capacity is your current and future ability to make payments. Lenders will look at your income, employment history, savings, and monthly debt payments. The principal collateral for a loan typically is the proposed mortgaged property. In addition, if you have savings, land, property, or other valuable assets, they can be used to secure loans. Lenders look at your credit and on-time payment history to see your record of paying bills and debts. Lenders will ask for financial statements to see if you meet all of their criteria. Sometimes, your strength in one area can cancel out your slight weakness in another. For example, if you own a home (strong collateral), but your credit history contains several late payments (weaker credit), your slight credit weakness may not hurt your application. Based on the type of mortgage you're interested in, lenders will obtain, or you will be asked to provide, some or all of the following financial documentation: Credit report. Pay stubs for the past 30 days. W-2 forms for the past 2 years. Information about long-term debt, like car loans, student loans, etc. Recent statements from your checking, savings, mutual fund, or other accounts. Tax returns for the past 2 years if you're self-employed. Proof of any supplemental income. Records of any past derogatory credit accounts that have since been paid off. Records of child support or alimony. How do I know how much house I can afford? Generally speaking, you can purchase a home with a value of two or three times your annual household income. However, the amount that you can borrow will also depend upon your employment history, credit history, current savings and debts, and the amount of down payment you are willing to make. You may also be able to take advantage of special loan programs for first time buyers to purchase a home with a higher value. Give us a call, and we can help you determine exactly how much you can afford. What is the difference between a fixed-rate loan and an adjustable-rate loan? With a fixed-rate mortgage, the interest rate stays the same during the life of the loan. With an adjustable-rate mortgage (ARM), the interest changes periodically, typically in relation to an index. While the monthly payments that you make with a fixed-rate mortgage are relatively stable, payments on an ARM loan will likely change. There are advantages and disadvantages to each type of mortgage, and the best way to select a loan product is by talking to us How is an index and margin used in an ARM? An index is an economic indicator that lenders use to set the interest rate for an ARM. Generally the interest rate that you pay is a combination of the index rate and a pre-specified margin. Three commonly used indices are the One-Year Treasury Bill, the Cost of Funds of the 11th District Federal Home Loan Bank (COFI), and the London InterBank Offering Rate (LIBOR). How do I know which type of mortgage is best for me? There is no simple formula to determine the type of mortgage that is best for you. This choice depends on a number of factors, including your current financial picture and how long you intend to keep your house. Associated Mortgage, Inc. can help you evaluate your choices and help you make the most appropriate decision. What does my mortgage payment include? For most homeowners, the monthly mortgage payments include three separate parts: Principal: Repayment on the amount borrowed. Interest: Payment to the lender for the amount borrowed. Taxes & Insurance: Monthly payments are normally made into a special escrow account for items like hazard insurance and property taxes. This feature is sometimes optional, in which case the fees will be paid by you directly to the County Tax Assessor and property insurance company. How much cash will I need to purchase a home? The amount of cash that is necessary depends on a number of items. Generally speaking, though, you will need to supply: Earnest Money: The deposit that is supplied when you make an offer on the house. Down Payment: A percentage of the cost of the home that is due at settlement. Closing Costs: Costs associated with processing paperwork to purchase or refinance a house. ARM's, How does it work? Adjustable Rate Mortgage - Fixed Terms Available: 6 month, 1 year, 2 years, 3 years 5 years, 7 years and 10 years. Index Type: LIBOR, Treasury or Prime Rate. Interest Only Option is available. Ajustable Rate Mortgages contain a fixed component and a adjustable component. For Example: A 3/1 ARM is fixed for 3 years, then on the 37th month, can adjust up or down depending on it's index, once each year, for the next 27 years. A 3/6 ARM is fixed for 3 years, then on the 37th month, can adjust up or down depending on it's index, once every 6 months for the next 27 years. These loan's contain a CAP, which is the maximum rate the loan can adjust during each adjustment period and a maximum rate for the life of the loan. How will a Bankruptcy affect my loan approval? For loan approval, Chapter 7 Bankruptcy Discharge Date must be 24 months or older. Chapter 13 File Date must be 24 months or older. LTV for Bankruptcy is 90% or less, including 80/20 loans. What does CLTV mean? A : Combined Loan-to-Value: Calculated by dividing the loan amount and any additional subordinate financing into the lower of the Sales Price or Appraised Value on a Purchase, or Appraised Value on a Refinance. How does my Credit Score or Fico Score affect my Interest Rate? Your Credit Score is a number based on the information in your credit file that shows how likely you are to pay a loan back on time - the higher your score, the less risk you represent. The credit score that lenders use is called a FICOŽ score. Your FICO score helps a lender determine whether you qualify for a loan and what interest rate you'll pay. Your Credit Score must be 520 or greater or we can not write your loan. Why is the DTI Ratio so important? Debt-to-Income Ratio is a ratio used to determine if you can afford the loan. Calculated by dividing the total monthly debt payments by the total gross monthly. The Maxinum DTI is 50% for Sub-prime loans. In special cases it can be as high as 55%. HELOC stands for what? Home Equity Line of Credit - can be a Fixed Rate or Adjustable 2nd Mortgage. Normally comes with a check book so you can use the mortgage money as needed. Can I get a loan if I have had a previous Foreclosure? Your Foreclosure must be 36 months or older and the maximum LTV is usually 90%. How does an Interest Only loan work? Interest Only Programs are used to reduce your monthly payments. When your monthly payment is calculated, you will only pay the monthly interest, nothing is paid toward the principal. By using this program, it will allow you to purchase a more expensive home then you would otherwise be able to afford, however your home will ONLY increases in value through property appreciation. Interest Only programs are only available for the first *5 or 10 years of your loan, then they revert back to a monthly principal and interest payment, yes your monthly payment increases. They are best used as a temporary fix to a financial problem with the intent of refinancing when the problem is corrected. (*Depends on loan program) Remember, New Home Purchases can not be refinanced in Georgia until after you have owned the home for one year. If your home was refinanced, there is no time limit to refinance again. I keep hearing the word LTV, what does that mean? Loan-to-Value Ratio is Calculated by dividing the loan amount into the lower of the Sales Price or Appraised Value on a Purchase, or Appraised Value on a Refinance. If you are financing 100% of the purchase price, then your LTV is 100%. If you are putting 10% down, then your LTV would be 90%. What does Stated Income refer to? Stated income is used when you can not prove all your income for the last 24 months. If you are Self-Employed, you will be required to supply proof that you have been in business for 24 months, preferably 2 years of Business Licenses. Other items that can be used to verify income are: 2 years of Personal and/or Business Tax Returns, 12 months of personal Bank Statements (all pages). If you have W2 Income, we will request a verification of employment from your employer including your position, length of service, employers address and phone number. If you are Renting, you will need to supply us with 12 months of cancelled rent checks (No Late Payments, Money orders are not allowed) and we will request a Verification of Rent from your land lord. If you are a First Time Home Buyer, some programs require 5% down and 640 credit score. What does NINA stand for? No Income No Assets: The loan decision is made based on the borrower's source of employment and credit history. You do not state any income or assets on your application. O/O means what? Owner Occupied: You are living in the home or are planning to live in it. Is Investment property considered N/O/O? Non-Owner Occupied properties are considered as investment properties. Stated Income vs. Full Documentation loans. Associated Mortgage offers two primary documentation programs: "Full documentation" and "Stated Income documentation." At one time, full documentation was the rule...and it remains the standard. In recent years, however, other documentation programs have become much more commonplace. Full Documentation: Both income and assets are disclosed and verified, and income is used in determining the applicant's ability to repay the mortgage. Formal verification requires the borrower's employer to verify employment and the borrower's bank to verify deposits. Alternative documentation, designed to save time, accepts copies of the borrower's original bank statements, W-2s and paycheck stubs. Stated Income/Verified Assets: Income is disclosed and the source of the income is verified, but the amount is not verified. Assets are verified, and must meet an adequacy standard such as, for example, 6 months of stated income and 2 months of expected monthly housing expense. Stated Income/Stated Assets: Both income and assets are disclosed but not verified. However, the source of the borrower's income is verified. Why Choose a Stated Income loan? Qualify for a loan when you can't provide full documentation Qualify for a loan when you prefer not to provide full documentation (and are willing to pay a higher interest rate). Full Documentation loans are less risky to lenders than Stated Income loans. For this reason, borrowers needing or choosing to state their income and assets must make a tradeoff: higher rates, larger down payments, or higher credit score requirements. Stated Income Scenarios: Here are a few examples of borrowers who would have not qualified under full documentation requirements, but can use Stated Income documentation criteria to get the home loan they need: Mr. Smith is a personal trainer with no fixed place of business who makes good money but can't document it. He can document his mutual funds, and his CPA can verify his self-employed status, so Mr. Smith qualifies for a loan under a Stated Income/Verified Assets plan. Mr. Morgan is in the same business and uses the same CPA as Mr. Smith, but an uncle is gifting him with the cash he needs to buy a home. Since Mr. Morgan cannot document assets, he pays a little more under a Stated Income/Stated Asset program. Ms. Jones values speed and reduced paperwork above getting the lowest rate. She chooses a Stated Income loan primarily to simplify the borrowing process. Finding Atlanta is the home of the Braves. 770-939-7006 The Atlanta Home Refinance market has bottomed out. Atlanta Home Mortgage rates are at an all time low. Atlanta Home Mortgages have dramatically increased. Atlanta Home Mortgage Rates have started to creep up as the prime rate increases. Atlanta Mortgage specializes in conforming mortgage programs. Atlanta Mortgage Rates have increased over the last two years. Atlanta Mortgages are still easy to find with a credit score of 680 or better. Atlanta Home Mortgages are available through mortgage brokers. You can try to apply for a mortgage even if you have a Bad Credit Loan. Bad Credit Loans are common in DeKalb County. Always try to consolidate you credit card debt. Consolidate Debt to make your life easier. Consolidation is one of the easiest ways to save money. Consolidation Loan has become a way on life. Chase Manhattan Mortgage is a mortgage lender. You can buy commercial property using a Commercial Mortgage. Countrywide Mortgage is one of our mortgage lenders. Debt is often referred to as your liabilities. Debt Consolidation is recommended if you no longer can make the minimum monthly payments. 770-939-7006 Debt Consolidation Loans are also referred to as Heloc loans. We recommend Consumer Credit Council as a Debt Consolidation Service. They also are referred to as Debt Counseling. Your goal should be to become Debt Free. Please call the Consumer Credit Council for Debt Help. Everyone with a mortgage should have some kind of Debt Management training. Debt Recovery and Debt Reduction are good mortgage goals. When you can no longer make you mortgage payment, Debt Relief is in order. Bankruptcy is no longer a mortgage method for Debt Settlement. Lennox Mortgage is located in Atlanta Georgia. Please use our Loan Calculator. We offer a wide variety of loan products. We have a variety of Loans. Understanding Finance is the key to a good mortgage. We specialist in mortgage Financing. The Fha is a government loan program. We do not current carry Fha Loan programs or Fha Loans. We process loans for properties in Georgia. We are also referred to as Georgia Mortgage or Georgia Mortgage Services. In order to process Georgia Mortgages, you must be a licensed mortgage broker. Georgia Real Estate prices increase approximately 3 percent per year. Home Equity loans are often referred to as Heloc loans or 2nd mortgages. A Home Equity Loan is when you borrow against the equity in your house. Home Equity Loans have higher interest rates than first mortgages. When you use your Home Finance options are larger. 770-939-7006 Home Loan is what a lot of people call a mortgage. Home Loans have an interest rate the can be a fixed rate. Home Mortgage is the monthly amount you pay to the mortgage company. Home Buying can give you grey hair. When I think of Homes for Teachers I know it is hard for them to get a loan. Investment Loans are for buying investment property. Interest Only Loans are when you do not pay any of the principle of the loan. Mortgage is a beautiful work if you are buying your first home. Mortgage Broker is a person that helps you find the right mortgage. Many people use Mortgage Brokers to get loans. Mortgage Calculator shows you what your payment will be every month. The Mortgage business in Georgia is very competitive. The Mortgage Interest Rate is sometimes based on the treasury rate. There are a lot of companies that sell Mortgage Leads. Mortgage Lender can be a member of the FDIC. I like to help people find the Mortgage Loan that is right for them. Mortgage Loan Calculator helps to figure the amount of interest and principle you are paying every month. Mortgage Loans can make you crazy. The Mortgage Payment Calculator can really confuse you. Everyone wants a Mortgage Quote before they sign a contract. Your Mortgage Rate can be as low as five percent. Mortgage Rates change on a daily basis. Mortgage Rates in Georgia have been going up the past two years. Mortgage Refinance can help lower your interest rate. Mortgage Refinancing does not take as long as a new purchase. Mortgages are something you strive to pay off. 770-939-7006 Being a New Home Buyer is the most exciting thing. No Income Loans allow some to purchases homes that might not be able to. When you Refinance your payment can go higher. Refinance your Home Loan and your rate can be lower. Refinance Loan is when you re-do your present loan. Refinance Loans are easy to do for people. When you want to Refinance Loans in Atlanta there are a lot of companies to choose from. When you Refinance a Mortgage there are still things that can go wrong. Refinancing is a great way to pay off your house early. A Real Estate Loan is for land as well as houses. Self Employed individuals can get loans if they have been in business at least three years. Crazy people take out a Second Mortgage to put their children through college. If you get a Stated Mortgage, you do not have to prove where your money comes from. 770-939-7006 A Stated Income Mortgage will take a verbal VOE with no money details reviled. Va Loan is a loan for someone that served in the military. ASSOCIATED MORTGAGE - 770-939-7006 - GA Properties Only. Purchasing a New Home, Refinancing, Debt Consolidation, Home Equity Line of Credit, 2nd Mortgage.