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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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.  


Home Buying Can Come With Deep Discounts for Community Heroes

March 21, 2018

Teachers and first responders have an enormous impact on our communities. What they consider routine can have life-changing implications for those around them. And although the financial rewards for these professionals may match their efforts, the contributions don’t go unnoticed.

One way their dedication gets recognized is through unique home buying and mortgage programs.

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Planning a Spring Flower Garden? Here’s What to Plant

March 19, 2018

Spring is here! Frogs are croaking, birds are singing and flowers are blooming. Whether you’re getting

ready to sell your home or just want to add some beauty as an investment in your home (and equity), this guide will help you get started.

Plant Hardiness Zones

Before you plant anything,

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Rebounding From Foreclosure To Buy Again

March 14, 2018

Getting back into the home buying market after a foreclosure is daunting, but not as uncommon as you might think. The housing crisis a decade ago left millions of homeowners in foreclosure, but many have already overcome the higher hurdles of buying their next home.

If you have a foreclosure in your past,

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Reverse Mortgage


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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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