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  

Welcome to Southern Home Mortgage, where we make the "American Dream" of home ownership come true for hundreds of families each year. With 5 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.  

 

Love Your Mortgage, No Matter Your Relationship Status

February 15, 2018

Marriage or mortgage, agreeing to a long-term commitment isn’t a decision to be taken lightly. A real connection, and the confidence it will last, is critical to the success of either.

However, shopping for a mortgage as a married couple can bring some added considerations to the table.

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Know Your Rights: Home Ownership Is For Everyone

February 12, 2018

Black History Month celebrates the achievements of African Americans and recognizes their central role in American history. It’s also an opportunity to appreciate the advancement of civil rights, and highlight the deficiencies that still exist. 

One way to ensure progress continues is by asserting the rights that we all share,

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First Time Homeowner? Buy For Your Budget

February 8, 2018

Most first-time home owners understand the difference between achieving the dream of buying a home versus buying a “dream home.” Part of a very personal decision-making process for buyers that know what they can realistically afford means making the latter distinction. Which means you’re probably asking yourself: How can I get the most out of my first home while staying within my budget?

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Refinancing
Reverse Mortgage

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FHA Loans
203k Loans
Veterans VA Loan

Professionals

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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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