Mortgages

Homeownership is a dream come true, but the process can be overwhelming…let our team of experts help make your dream a reality with ease!

• What is the difference between a fixed rate and adjustable rate mortgage?
• Do you offer mortgages with low down payments?
• Does Peach State offer a first-time home buyer program?
• Should I be pre-approved for a mortgage before looking at homes?
• What is the minimum credit score requirement when applying for a home loan?
• How do I apply for a mortgage?
• What does it mean when you’ve been pre-approved for your mortgage?
• Is buying a home better than renting a home?
• Do you offer a third mortgage loan?
• What documentation is needed when applying for a mortgage if I’m self-employed?
• How long does it take to close on a mortgage?
• Do you offer Reverse Mortgages?
• Do I need to provide you with proof of my Homeowners Insurance?
• Can I refinance my mortgage if my loan isn’t currently with Peach State?
• Can I change the loan amount after being pre-approved?
• Can I include closing costs in my refinance?
• What loan terms are available for First Mortgages?
• What are discount points?
• How much are closing costs?
• What are acceptable sources for a down payment?
• Does Peach State offer construction loans?