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Your NEW  Georgia home or EXISTING  Georgia home reflects your unique personality.  Maybe it's a welcoming two-story with room for kids, pets and a putting green?  A relaxed townhouse on the 9th fairway? Or a sleek loft high above downtown Atlanta?  Our goal is to help you build or purchase the perfect Georgia home or refinancing your current Georgia home?  At America's Home Lender we'll assists you in choosing the right loan specifically tailored to your personal credit and financial situation which will enable you to finance your Georgia Home. 

AMERICA'S HOME LENDER is built on the individual service provided by our Loan Consultants.  Each America's Home Lender Consultant is well trained in a variety of home investment programs, here to serve your individual financing needs  They will walk hand-in-hand with you through the process, educating you along the way and serving as your advocate to ensure that the home loan matches you, the individual.  They will keep your builder and or real estate agent(s) apprised of you loan status and when these goals are met, they will celebrate with you on the purchase of you new Georgia home.

So, we are glad you are here.  Welcome !  AMERICA'S HOME LENDER,  and AHL's BUILDER DIVISION offers a variety of loan programs to meet your Mortgage Loan needs. We work with the leading lenders in the industry to provide:

 

ADJUSTABLE RATE MORTGAGES (ARMS): Available in 1,3,5,7, & 10 Year terms, these loans hold the initial rate through the stated term and then adjust annually based on  a -determined index.  Yearly and life of loan caps prevent large fluctuations.  Rates for these loans are typically below fixed rates. You can maximize your borrowing power: because you qualify at a lower interest rate, you qualify for a higher loan amount.  Some have new Zero Down Payment Options.

CONVENTIONAL LOANS: 30, 20, 15, & 10 Year terms with rates fixed throughout.  Down payments can be as low as 5%.  Mortgage Insurance is required where the loan to value is greater than 80%.  These are loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.  Predictability; since your interest rate is fixed for the life of the loan, your payment never changes.  You have Interest Rate Protection, regardless of what happens to the economy and the interest environment your rate cannot and will not change.  Generally they have higher limits than FHA or VA.  These popular loans comprise a large segment of the mortgage market. 

NO CLOSING COSTS LOANS
AMERICA'S HOME LENDER
specializes in  No Closing Cost Loanns for primary residence loans over $200,000. Once you are a client of ours we will constantly monitor our database to look for opportunities to drop your rate for no closing costs. A No Closing Cost Loan allows the homeowner to complete the home mortgage loan process without having to come up with the cash to cover the closing costs whether purchasing a new home or refinancing an existing mortgage. There are many good reasons for choosing this type of mortgage or refinance such as needing all available funds for the down payment or moving expenses or wanting the funds available for a business investment.

Keep in mind the concept of discount points. By paying points, you can buy the rate down. Well, the reverse is true. If you decide on a loan with a rate higher than the base rate, we as the lender are paid the opposite of discount points - called Yield Spread Premium. We can use these funds to pay some or all of your closing costs. No one works for free; the slightly higher rate gives us the funds to pay the attorney, underwriter, title insurance and so on.

Closing costs  costs usually  include an origination fee, appraisal fee, title search, tax search, processing fee, tax service fee, underwriting fee, flood cert fee, hazard insurance, survey, taxes, deed recording fee, credit report fee, attorney fees  and other costs assessed at settlement. The costs of closing are listed on our Initial Fees Worksheet and the Loan Estimate. These costs are Guaranteed by AHL. 

No closing cost loans can be used for either a refinance or a purchase transaction, although they are most commonly associated with a refinance. A no closing cost refinance is the quickest way to generate immediate interest rate and payment savings with no upfront investment in closing costs. To continue with our example, let's assume that a borrower is currently at 5.5% on a 30 year fixed rate loan and is interested in refinancing now that interest rates are declining. But what is the best time to finally ``bite the bullet'' and lock in a rate? If the person chooses to refinance using the no closing cost method, it doesn't matter when they lock in, so long as they are immediately saving money by refinancing. By choosing the 3.75% no closing cost loan, their payment would decrease right away, with no upfront investment to refinance. Should interest rates continue to decline, the borrower can simply refinance again to obtain additional savings.

JUMBO LOANS:  These mortgages offer you, Higher loan amounts for the purchase of more expensive homes.  Combination loans that allow you to avoid mortgage insurance.  Down payments as low as 10% on many jumbo mortgage products.  Mortgage Products that allow for the maximizing your mortgage interest deduction and managing monthly cash flow.  You are able to leverage your investment funds.  Jumbo mortgages refer to loan amounts that exceed $424,100.00.  These loans are commonly referred to as "Non-Conforming" loans because they do not conform to Fannie Mae ( Federal National Mortgage Association) or Freddie Mac ( Federal Home Loan Mortgage Corporation ) loan limits.  America's Home Lender offers many different jumbo loan options, including Fixed-Rate, Arm's, Interest Only & Payment Option Loans.

FIXED RATE HOME EQUITY LOANS:  15, & 10 Year terms with rates fixed throughout the life of the mortgage. These loans are referred to as Closed Ended Loans.  These are loans are Second Mortgages that meet Fannie Mae and Freddie Mac loan limits with loan to values not to exceed 95% of the property value.  With these loans you have Interest Rate Protection, regardless of what happens to the economy and the interest environment your rate cannot and will not change.     

INTEREST ONLY LOAN PROGRAMS An "Interest Only" Mortgage loan is a very popular alternative to traditional fixed rates. Gaining popularity at record speed, these home loans allow consumers to make interest only payments during a defined period of time for the loan.  America's Home Lenders has many different Interest Only Programs to choose from. These programs can offer consumers greater purchasing power and increased cash flow. In a five-year interest only loan, for example, the borrower has a fixed rate for five years and is only obligated to pay the interest owed every month for the first five years. At the end of the five-year period the interest rate will adjust based on the then current interest rates and the loan will then amortize over the remaining 25 year term of the loan. This could mean hundreds of dollars in monthly savings in the first five years, increased purchasing power and many other benefits. If you don't think you will be in your home more than five years, expect that you will refinance in the next five years or think that your income will be going up in coming years this might be a great option for you.

These loans are not for everybody. If you are can sleep at night knowing that 5-7 years from now your payment may go up (if interest rates go up, you are still in this home and you have not refinanced), you are self disciplined, have a good understanding of the time frame you will be in your home and understand the potential risks then these products may provide an extremely attractive option to many homeowners.


INCOME PROPERTY / INVESTMENT PROPERTY ( Single Family & Multi Family )
These Loans are the same as the Adjustables, Conventional Conforming, Jumbos and Piggy Backs.  The differences on these loans is the interest rates are slightly higher, usually .375% to .500%. 

VACATION / SECOND HOME LOANS
30, 20, 15, & 10 Year terms with rates fixed throughout. ARM's and Interest Only Loan programs are available.  Down payments as low as 20%.  Mortgage Insurance is required where the loan to value is greater than 80%.  These are loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines.  Generally they have higher limits than FHA or VA.  These popular loans comprise a large segment of the mortgage market. 

LOAN PRODUCTS FOR YOUR PRIMARY RESIDENSE AT A GLANCE.

Conventional:
Purchase a home with a Fannie Mae or Freddie Mac loan up to $417,000 with as little as 5% down. Refinance your home up to 95% of the value of your home. Jumbo loans up to $2,000,000 with 10% minimum down payment. We offer Low fixed Rates and a wide range of ARM and Balloon Products.

First time Home buyers: Special Financing available for First time Home buyers with as little as 3.5% down. Gift funds are acceptable for source of down payment, prepaids, and closing costs.

Rate & Term Refinance: Refinances of interest rate and loan term are available up to 95% combined loan to value (CLTV) and closing costs financed.

Cash Out Refinances/Consolidation Loans: Consolidate 1st and 2nd mortgages, receive cash out for debt consolidation, home improvements, etc.

Non-Escrow Loans: Loans are available without an escrow account with as little as 20% down. Some fees apply usually know as escrow waiver fees, charged by the lenders.


 

 

 

 

 

 

 

 

 

 

 



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,070. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $6,500,000 with closing costs of $70,900. Your actual APR may be different depending upon these factors.