Choosing the right mortgage? Learn the differences between Fixed-Rate Mortgages (FRM) and Adjustable-Rate Mortgages (ARM).
Read MoreUnlock Your Dream House
Finding the Perfect Mortgage for Your Future
Why Hire Me
Family Mortgage INC #1850378 11340 Lake Field Dr. Ste 200 Johns Creek GA 30097 has nearly 20 years of experience in the mortgage industry. With three branches across the United States, we work closely with multiple financial institutions to offer the best rates and highest quality service.
Jiajia (Rachel) You #2515453, abrings a wealth of expertise and personalized service to every client. From the initial consultation to the final loan approval, Rachel ensures a seamless and stress-free experience.
Integrating AI with traditional mortgage processes enhances efficiency by automating pre-qualification, managing risks, and delivering personalized loan options. AI also streamlines the loan application process and offers advanced fraud detection, making the mortgage experience faster, safer, and more tailored to individual needs.
Jiajia (Rachel) You #2515453, abrings a wealth of expertise and personalized service to every client. From the initial consultation to the final loan approval, Rachel ensures a seamless and stress-free experience.
Integrating AI with traditional mortgage processes enhances efficiency by automating pre-qualification, managing risks, and delivering personalized loan options. AI also streamlines the loan application process and offers advanced fraud detection, making the mortgage experience faster, safer, and more tailored to individual needs.
Purchase
Type of Loan
With down payments as low as 3.5%, credit scores starting at 580, and assumable loan benefits, FHA loans are ideal for first-time buyers and those with lower credit scores.
Read MoreVA loans offer veterans and active-duty service members an affordable way to buy a home with zero down payment and no PMI!
Read MoreNonqualified mortgages (Non-QM loans) offer flexible financing for self-employed individuals, business owners, and real estate investors.
Read MoreThis Down Payment Assistance (DPA) program offers up to 3.5% in free, forgivable assistance, making homeownership more affordable!
Read MoreRefinance
What's the best time to Refinance
The best time to refinance is when you can achieve lower monthly payments, save on interest, or better align your mortgage with your financial goals and situation. Always consider the costs involved and consult with a us to ensure refinancing is the right decision for you.
Rate-and-Term Refinance
Purpose: To lower the interest rate or change the loan term (e.g., from a 30-year to a 15-year mortgage). Benefits: Can reduce monthly payments, save on interest over the life of the loan, or pay off the mortgage faster. Best For: Homeowners looking to lower their interest rate or adjust the length of their mortgage.
Cash-Out Refinance
Purpose: To tap into the home’s equity by taking out a new mortgage for more than the existing loan balance and receiving the difference in cash. Benefits: Can provide funds for home improvements, debt consolidation, or other financial needs. Best For: Homeowners with significant equity in their homes who need cash for large expenses.
HELOC (Home Equity Line of Credit)
Purpose: Utilize the equity in your home to get a line of credit. Homeowners can borrow as needed for home improvements, education expenses, medical bills, or other large expenditures. Benefits: Flexibility: Homeowners can borrow money up to the credit limit whenever they need it. Interest Payments: Pay interest only on the amount borrowed, not the entire credit limit. Best For: Homeowners with significant home equity looking for flexible funding options.
Articles
Step-by-step mortgage loan application guide!
Read MoreYour credit score plays a major role in determining your loan interest rate!
Read MoreThe Debt-to-Income (DTI) ratio is a key factor in mortgage approval! Learn how lenders calculate your DTI, why it matters, and how it affects your ability to qualify for a home loan.
Read MoreLearn when and why refinancing might be the right choice for you. Discover how to secure lower interest rates, shorten your loan term, or switch from an ARM to a fixed-rate mortgage.
Read MoreBe prepared for more than just the purchase price! Learn about hidden costs like closing fees, property taxes, insurance, and other expenses that can impact your budget.
Read MoreDiscover how discount points can lower your mortgage interest rate, reduce monthly payments, and save you thousands over the life of your loan.
Read MoreWondering how much you can borrow for a home?
Read More📈 房贷利率这么高，现在还值得买房吗？ 许多人因高利率犹豫不决，但房价和租金还在上涨，未来可能更贵！本篇文章分析买 vs. 等的利弊，告诉你现在买房是否依然划算！🏡💰
Read More中文
亚特兰大贷款
安家贷款集团 Family Mortgage INC, GA#1850378 在美国有近20年的历史，全美有3个分部，总部位于拉斯维加斯，我们与多家金融机构保持密切的合作，提供多种贷款产品。 Jiajia (Rachel) You #2515453 11340 Lake Field Dr. Ste 200 Johns Creek GA 30097 作为佐治亚州的资深贷款经纪人及其团队，致力于为客户提供个性化的贷款解决方案。无论您是首次购房者/投资者，还是需要再融资，我们都将全程为您提供专业支持，确保您在每个环节都能得到最佳的贷款服务。
为什么选择我们
打破传统贷款模式，结合AI技术，为您提供高效、安全、个性化的贷款服务。无论是自动化预审、精准风险管理，还是智能化贷款推荐，我们都为您创造更便捷的贷款体验。在业界多年经验，屡创佳绩，经验丰富，收费公道，值得信赖。
我们是如何做到低利率的？
我们与多家银行和金融机构建立长期合作关系，能够获得多种贷款产品和优惠利率，从而为客户提供最佳选择。我们持续监控市场利率变化，确保能够在利率较低时帮助客户锁定最优惠的利率。我们为每位客户量身定制贷款方案，根据他们的财务状况和需求推荐最合适的贷款产品，从而确保他们能够以最低的成本获得贷款。我们提供详细的贷款前咨询服务，帮助客户了解如何通过调整财务状况来获得更低的贷款利率，包括减少债务、增加储蓄和改善信用记录等措施。
房屋贷款| 在线快速申请 | 省时高效 | 立即开始
无需繁琐步骤，5 分钟快速完成申请！ 提供快捷、无压力的在线贷款申请流程，让您节省时间和精力。无论是购房贷款、再融资，还是投资房贷款，都能一键提交，快速审批！立即申请，锁定最优利率！
Learn More固定利率贷款（30/20/15年等）
信用分620+，首付低至3%。 利率稳定：贷款期间利率保持不变，每月还款额固定。 预算简单：因每月还款金额一致，便于长期预算和财务规划。 适合人群：计划长期持有房产且希望避免利率波动风险的借款人。
浮动利率 3/6 5/6 7/6 贷款 | 低息灵活融资方案
信用分620+，首付低至3%。初期利率低：通常在前几年的初期固定利率较低，比固定利率贷款更低。 利率调整：在初期固定利率期结束后，利率会根据市场利率定期调整，可能上涨或下跌。 适合人群：计划在初期固定利率期内卖房或再融资，或愿意承担利率波动风险以获取初期低利率的借款人。
FHA 联邦住房贷款，信用580，首付低至3.5%
为首次购房者和低首付买家提供更轻松的贷款选择。信用分580+ 即可申请，首付低至3.5%，较低的利率和灵活的审批标准让购房更容易。FHA贷款计划的多家银行还提供首付资助计划，无需偿还。
VA 军人贷款
0首付无需高额存款，信用分600+即可申请，低利率，政府支持，降低你的长期还款成本。低过户成本，免除贷款保险。 适用于： 现役军人、退伍军人、军人配偶等，只需提供服役证明即可申请！
VOE (Verification of Employment）雇主验证收入
信用660+，首付20%，无需税单和工资单，雇主提供过去两年的收入证明，简化了收入验证的过程，不需要借款人提供大量的个人财务文件。可以快速获得贷款审批。
CPA P&L | 无需税单 & 工资单 | 低门槛购房方案
无需提供税单或工资单，仅需会计师提供过去1-2年的财务损益表（P&L），首付低至20%。适合自雇人士、小企业主及自由职业者，贷款审批更灵活，助您轻松实现购房目标。
Bank Statement 贷款 | 12或24个月银行流水
无需税单和W-2，仅凭12或24个月的银行流水即可申请贷款。适用于自雇人士、小企业主、自由职业者等，解决传统收入审核难题，让购房更轻松！低首付，灵活审批，高通过率。
DSCR 贷款 | 以租供贷 | 投资房贷款
首付低至20%，无需收入证明，适用于投资房。以租金收入申请贷款，租金/PITIA > 1.00 即可！高通过率，简化审批，轻松购置投资房产，贷款方需满足一定储备金要求。
1099贷款 | 自雇人士专属贷款
适合自雇人士、自由职业者及个体户的贷款方案！首付20%起，仅需提供过去12或24个月的1099表，无需W2/1040或传统工资单，灵活审批，助力高收入但税后净收入低的群体购房！
Asset-Based Loan Asset Depletion Loan 资产证明
首付30%起，适用于不看收入、用存款作为收入证明的人群，如退休人士、企业股东、自由职业者、投资人、高净值人士等。海外资产也可接受，轻松购房无压力！
1. 贷款申请
联络我们，填写贷款申请表格。提供必要的文件，如身份证明、收入证明、银行对账单、税单等。
2. 获得贷款预审批
我们基本审核你提交的文件后，发放预审批信 （pre-approval letter)
3. 找房与报价
通过房地产经纪人寻找合适的房产。 确定房产后，向卖方提交购房报价。
4. 签订购房合同
谈判与签约：买卖双方谈判并达成一致后，签订购房合同，通常会支付一定的定金。
5. 正式申请贷款
提交正式申请：在签订购房合同后，向贷方提交正式贷款申请，并补充可能需要的额外文件。
6. 贷款审批
评估与审核：贷方对房产进行评估，并审核借款人的信用和财务状况。 条件性批准：如果符合条件，贷方会发放条件性批准，可能要求借款人满足一些额外条件。
7. 签署贷款文件
贷方准备所有的文件，借款人在律师的见证下签署贷款文件。
8. 房产过户与资金交割
在签署贷款文件后，房产所有权过户给买方。 贷方将贷款资金转给卖方，完成交易。
决定贷款利息的8大因素
1. 信用评分（Credit Score）：借款人的信用评分是决定贷款利息的最重要因素之一。信用评分越高，通常能获得的贷款利息就越低。 2. 贷款金额（Loan Amount）：贷款金额的大小也会影响利息。较大的贷款金额可能会获得较低的利息，因为风险分摊在更大的金额上。 3. 贷款期限（Loan Term）：贷款期限越长，利息可能越高，因为借款人需要更长时间偿还贷款，风险也更大。 4. 首付款（Down Payment）：较高的首付款可以降低贷款金额，从而可能降低贷款利息。 5. 贷款类型（Loan Type）：不同类型的贷款（如固定利率贷款和可调利率贷款）有不同的利率。固定利率贷款的利率在整个贷款期限内保持不变，而可调利率贷款的利率可能会随着市场条件变化。 6. 市场利率（Market Rates）：市场利率受经济状况、通货膨胀率和中央银行政策的影响。市场利率上升时，贷款利率也会上升，反之亦然。 7. 贷款机构（Lender）：不同的贷款机构提供的利率可能不同。比较多个贷款机构的利率和条款，可以帮助借款人找到最优惠的贷款利率。 8. 借款人的财务状况（Borrower's Financial Situation）：包括借款人的收入、债务负担、就业稳定性等因素，都会影响贷款利率。财务状况越稳定，获得较低利率的可能性越大。
信用分数是如何影响贷款利率的
信用分数越高，贷款利率越低。信用分数反映了借款人的信用风险，银行或贷款机构会根据借款人的信用分数来评估其还款能力和违约风险。 举例说明： 假设你正在申请一笔30年固定利率的抵押贷款，贷款金额为$480,000（首付20%的房子总价为$600,000）。 信用分数711： 利率：7.35% 每月还款额：$3,307.07 总支付利息：$708,544.29 信用分数765： 利率：6.875% 每月还款额：$3,153.26 总支付利息：$655,175.60 差异： 每月还款差额：$153.81 总支付利息差额：$53,368.69 从这个例子中可以看出，较高的信用分数不仅能降低每月的还款额，还能显著减少整个贷款期间支付的总利息。高信用分数的借款人被视为风险较低，因此贷款机构愿意提供较低的利率作为奖励。相反，较低的信用分数意味着更高的风险，因此利率较高，以弥补潜在的违约风险。
利率
不定期上传当日利率。详情请联络我。 本利率表仅供参考，具体利率、费用及贷款条款可能会根据市场波动、借款人资质、贷款类型及其他因素而有所变化。本公司不对任何利率、费用或条款的准确性、完整性或适用性作出保证。所有贷款审批均需符合贷款机构的审核标准，且不构成任何贷款承诺。请在申请贷款前咨询专业贷款顾问，以获取最新利率和详细信息。本公司保留随时更改或更新利率及条款的权利，恕不另行通知。
Apply TODAY
Apply Now
Get started with your mortgage application in just a few minutes! Our secure online form makes it easy to apply for home loans, refinancing, or investment property financing. No hidden fees, no hassle—just fast approvals and competitive rates. Apply today and lock in your best rate!
Learn MoreContact Us
- Atlanta, GA, USA
- +1-4705276180
- jyou@familymortgageusa.com
- Monday - Friday 9:00 am - 9:00pm Online/Phone Consultation
WeChat: altloan