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  

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.  

 

Protecting Your Privacy During the Mortgage Process

September 20, 2018

Unfortunately, the failure to protect personal data and financial information is all too common. As identity theft continues to rise, taking proactive steps to safeguard the records that can put us most at risk is essential.

While the possibility is always present, the depth and sensitivity of information requested during the mortgage application process warrant added vigilance.

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Six Costs Of Homebuying You Need To Know

September 18, 2018

Nearly every homebuyer starts with a budget. Beginning the process with a down payment and sales price in mind could simplify your search and avoid the disappointment that comes with falling in love with a home you can’t afford.

However, it’s not unusual for home shoppers,

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Mortgage Without Marriage: Buying A Home With Your Partner

September 13, 2018

Times have changed, and so has the way couples are buying homes. While some commit to a mortgage before they commit to marriage, others plan to own a home with a domestic partner and forego a legal union altogether. If you’re one of the many unmarried couples contemplating the purchase of a property,

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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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