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.  

 

Five Questions to Consider Before Hosting an AirBNB

July 11, 2018

In less than a decade, Airbnb has transitioned  from a trendy vacation method to a staple of modern day travel. As the travel season approaches, some will  be looking to save money at vacation destinations, while others might be converting their homes into Airbnb units for extra cash. Could Airbnb hosting be a good option for you and your home?

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Moving Out? Here’s Your Checklist

July 10, 2018

After weeks of gathering personal information, printing off bank statements and tax records, and waiting for the bank to approve and underwrite your loan, the time has come—you’ve signed your lender’s paperwork and bought a new house. Now for the really fun part: packing and moving. In the hectic time to come,

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Three FHA Loan Advantages You Need to Know

July 5, 2018

As one of the most popular types of home mortgages, FHA loans can offer a unique and essential option, especially for first-time home buyers. Backed by the Federal Housing Administration, the loans combine less restrictive financial requirements with generous lending terms to create an attractive alternative.

While many borrowers may be aware of the 3.5 percent minimum down payment or that a credit score as low as 580 can still qualify,

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Refinancing
Reverse Mortgage

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FHA Loans
203k Loans
Veterans VA Loan

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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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