Home Loans- All Home Loans in including Zero Down, Fixed Rates, Interest Only

We offer a wide range of home loan options on primary residences, second/vacation homes, and investment properties. Please click on a loan program below that interests you.

What Home Loan Program Should I Choose?

There really isn't a single or simple answer to this question on how to choose the best loan program for you and your family. The right type of home mortgage loan for you depends on many different factors, which includes some of the following:

For example, a 15-year fixed rate home mortgage can save you many thousands of dollars in interest payments over the life of the loan, but your monthly payments will be higher. An adjustable rate mortgage may get you started with a lower monthly payment than a fixed rate mortgage -- but your payments could get higher when the interest rate changes.

The best way to find the "right" answer is to discuss your finances, your short-term and long-term plans, your financial prospects, and your preferences truthfully and honestly with a home mortgage loan officer from a lender or broker.

Financing Options

PeachStateMortgage.com offers information 100% programs for borrowers with no money available for their down payment. Some if not all closing cost can be paid by the seller . No Mortgage insurance and No Reserves Required! Click Here to Learn More About This Program!

A mortgage where the amount borrowed is not repaid until the end of the term of the loan. Repayments consist of interest, fees and charges. Our interest-only mortgage products are designed to give homeowners and homebuyers lower monthly payments. For homebuyers, low interest-only mortgage payments means lowered monthly payments and/or the ability to purchase "more house".

Mortgages in which the interest rate is set for the term of the loan. A good mortgage for borrowers that like the security of having their mortgage remain the same throughout the term of the mortgage loan.

Mortgage loans under which the interest rate is periodically adjusted to more closely coincide with current rates. The amounts and times of adjustment are agreed to at the inception of the loan. Arm products include 1/1 arms, 3/1 arms, 5/1 arms, 7/1 arms and 10/1 arms. Interest only option is also available on these arms.

Government guaranteed long-term, fixed-rate and adjustable loans for clients who qualify. VA does not require a down payment.Conforming Loans - Mortgage loans up to $417,000. Conforming long-term, fixed-rate and adjustable loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Conforming loans typically have higher loan limits than FHA loans. Click here for VA Underwriting Guidelines.

PeachStateMortgage.com offers information on many loan programs to the investment buyer that wants to put the least amount down. Typically these loan programs differ from a conforming loan in that a slightly higher interest rate is charged. A down payment of 10% is needed to qualify for conforming rates. Loan to values to 90%. This program is limited at this time.

We offer a wide variety of loan programs for a primary purchase and can even offer 5% down financing on a second homes for qualified borrowers. Mortgage payment terms can be structured to the borrowers’ particular needs that include 30, 20, 15 and 10 year fixed rates, ARM’s, and many balloon programs.

PeachStateMortgage.com offers information on the ideal home mortgage program for new construction -- "Extended Rate Lock" are available for your construction loan. It´s available for conventional loans. Rates can be locked in for a maximum of 180 days while your new home is being constructed. When your home is completed, and it´s closing time, you´ll get the original interest rate you locked in, even if interest rates have gone up since then.

PeachStateMortgage.com's offers information on subprime mortgage loans, we believe that everyone is entitled to a second chance. There are many loan programs that may be available to you, even if you do not meet traditional approval guidelines. While the interest rates on these mortgage loans are generally a little higher, a non-conforming mortgage can provide you with an opportunity to rebuild your credit, help you to consolidate outstanding debts, make home improvements or provide you with additional cash for whatever you may need!

PeachStateMortgage.com understands the excitement and pressure that first time homebuyers may go through. That is why we offer information to first time home buyers to help you get the information and the home financing you need for your first time home purchase.

There are special Pre-approval Programs that allow borrowers to assess how much house they can afford, as well as get them the information and conditional approval they will need to purchase a house. The pre-approval process is quick, accurate, and should be free. Pre-approval means that borrowers have successfully qualified for the loan for which they have applied for prior to having a property picked out. Having an approved loan application means borrowers can begin the closing process on the house.

Imperfect Credit Loans, Bad Credit Mortgages

Imperfect credit home mortgage loans allow borrowers with less-than-perfect credit to qualify for competitive interest rates to buy a home, consolidate debt, lower payments or make home improvements.

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Home Purchase

We are not accepting new loan applications at this time!

The Right Home Mortgage Loan.

What Home Loan Program Should I Choose?

Financing Options