NMHL Mortgage Lending
Mortgage Lender in Atlanta, GA
Local expertise and competitive rates for Atlanta homebuyers.
Atlanta's housing market is thriving, with a median home price of around $340,000 according to recent estimates. As a major hub for business and culture, Atlanta attracts new residents and homeowners alike. At National Mortgage Home Loans (NMHL), we understand the unique challenges and opportunities that come with buying or refinancing a home in Atlanta. Our team is dedicated to providing personalized service and competitive rates to help you achieve your homeownership goals.
Whether you're a first-time buyer looking to take advantage of low down payment programs or a seasoned homeowner seeking to refinance, NMHL is here to guide you through the process. Our expertise in handling complex mortgage situations, including bad credit and self-employed borrower scenarios, sets us apart as a trusted mortgage lender in Atlanta.
With NMHL, you can explore a range of mortgage options tailored to the Atlanta market, from FHA and VA loans to conventional and jumbo mortgages. Our local knowledge and national reach enable us to provide the most competitive rates and terms available. Get started with NMHL today and take the first step towards owning your dream home in Atlanta.
Atlanta Housing Market Overview
Explore mortgage options in Atlanta, GA with NMHL. Our local expertise helps you navigate the Atlanta real estate market with competitive rates and personalized service.
See What You Qualify For
Takes about 5 minutes. No obligation. No credit check until you are ready.
Your Local Mortgage Partner
We understand the local market dynamics that affect your home purchase. Our team provides personalized loan options based on local property values and regulations.
Available Loan Programs in Atlanta
Explore mortgage options tailored to Atlanta homebuyers
First Time Home Buyer Mortgages
Special loan programs helping newcomers purchase their first home with favorable terms and support.
Learn MoreRefi-Shield
Learn MoreAdjustable-Rate Mortgage (ARM)
Financial flexibility and optimal rates with an Adjustable-Rate Mortgage – Your key to a dynamic homeownership journey
Learn MoreHigh-Value Appraisal Program
Learn MoreInterest Only Mortgages
Interest-only mortgages allow borrowers to pay only the interest for a set period, reducing initial monthly payments.
Learn MoreHome Equity Loans
Access the equity in your home with a fixed-rate home equity loan. Get a lump sum with predictable monthly payments for ...
Learn MoreFHA Loans
Federal Housing Administration (FHA) loans are government-backed mortgages designed to help first-time homebuyers and th...
Learn MoreFixed-Rate Mortgage
Lock in your interest rate for the life of the loan with a fixed-rate mortgage. Predictable monthly payments make budget...
Learn MoreBridge Loans
Bridge the gap between buying your new home and selling your current one. Short-term financing that gives you the flexib...
Learn MoreVA Loans
VA loans are a benefit earned by veterans, active-duty service members, and eligible surviving spouses. Backed by the De...
Learn MoreConventional Loans
Conventional loans are not backed by government agencies and typically offer the most flexibility for qualified borrower...
Learn MoreITIN Loans
Purchase a home using your Individual Taxpayer Identification Number (ITIN) without a Social Security Number. NMHL is co...
Learn MoreJumbo Loans
Jumbo loans exceed conforming loan limits and are designed for luxury properties and homes in high-cost areas. With comp...
Learn MoreDSCR Investment Loans
Debt Service Coverage Ratio (DSCR) loans qualify based on rental income rather than personal income. Perfect for real es...
Learn MoreBank Statement Loans
Bank statement loans are designed for self-employed borrowers and business owners who have difficulty documenting income...
Learn MoreReverse Mortgages
For homeowners 62 and older, reverse mortgages allow you to access your home equity without monthly payments. Stay in yo...
Learn MoreUSDA Mortgages
USDA Rural Development loans help moderate-income buyers purchase homes in eligible rural and suburban areas. With no do...
Learn MoreHeloc
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Our Presence
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Atlanta's Thriving Housing Market
Atlanta's housing market is characterized by steady growth and a diverse range of neighborhoods. From historic homes in Inman Park to modern condos in Midtown, there's something for every taste and budget. The city's strong economy, cultural attractions, and relatively affordable housing make it an attractive destination for homebuyers.
- The median home price in Atlanta is around $340,000.
- The average days on market for homes in Atlanta is 30 days.
- Atlanta's population is expected to continue growing, driving demand for housing.
NMHL's local expertise helps you navigate Atlanta's housing market with confidence.
Mortgage Options for Atlanta Homebuyers
At NMHL, we offer a range of mortgage options tailored to the Atlanta market. Our loan programs include FHA, VA, USDA, conventional, and jumbo mortgages. We also specialize in helping underserved borrowers, including those with bad credit, self-employed individuals, and first-time homebuyers.
Our mortgage options include:
- FHA loans with down payments as low as 3.5%
- VA loans with $0 down payment for eligible veterans
- Conventional loans with competitive rates and terms
- Jumbo mortgages for high-end homes in Atlanta's luxury neighborhoods
Get pre-approved with NMHL today and take the first step towards owning your dream home in Atlanta.
Down Payment Assistance in Atlanta
NMHL participates in several down payment assistance programs available to Atlanta homebuyers. These programs can help you cover the upfront costs of buying a home, making it more accessible to achieve your homeownership goals.
Some of the down payment assistance programs we offer include:
- The Georgia Dream Homeownership Program, which provides up to $7,500 in down payment assistance
- The Atlanta Homeownership Program, which offers up to $5,000 in down payment assistance
- Other local and state-specific programs for which you may be eligible
Our experienced loan officers can help you explore down payment assistance options and find the best fit for your situation.
Understanding Property Taxes in Atlanta
Property taxes in Atlanta are based on the assessed value of your home, which is typically around 40% of the fair market value. The average effective property tax rate in Atlanta is 0.83%, which is relatively low compared to other major cities.
However, property tax rates can vary depending on the county and school district. For example, homes in the Atlanta Public Schools district may have higher property tax rates than those in surrounding counties.
NMHL can help you factor property taxes into your mortgage planning and ensure you're prepared for the ongoing costs of homeownership.
Frequently Asked Questions
Mortgage rates in Atlanta vary depending on the type of loan, your credit profile, and other factors. At NMHL, we offer competitive rates starting from 6.5% APR for a 30-year fixed loan. Contact us for a personalized rate quote and to discuss your mortgage options.
NMHL offers several mortgage options for first-time homebuyers in Atlanta, including FHA loans with down payments as low as 3.5%. We also participate in the Georgia Dream Homeownership Program, which provides up to $7,500 in down payment assistance. Our experienced loan officers can help you navigate these programs and find the best fit for your situation.
Property taxes in Atlanta are based on the assessed value of your home, which is typically around 40% of the fair market value. The average effective property tax rate in Atlanta is 0.83%, which is relatively low compared to other major cities. However, property tax rates can vary depending on the county and school district. NMHL can help you factor property taxes into your mortgage planning.
Yes, NMHL offers mortgage options for borrowers with less-than-perfect credit. We work with a variety of lenders and programs that cater to borrowers with credit scores as low as 580. Our loan officers will work with you to identify the best mortgage solution and provide guidance on improving your credit score.
Atlanta has a diverse range of neighborhoods to suit different lifestyles and budgets. Some popular areas include Midtown Atlanta, Virginia-Highland, and Buckhead. Each neighborhood has its unique character and advantages, from access to public transportation to top-rated schools. NMHL can help you explore mortgage options for homes in these and other Atlanta neighborhoods.
NMHL participates in several down payment assistance programs available to Atlanta homebuyers, including the Georgia Dream Homeownership Program and the Atlanta Homeownership Program. To qualify, you'll typically need to meet income limits, complete homebuyer education, and occupy the property as your primary residence. Our loan officers can help you determine the best down payment assistance options for your situation.
Related Resources
Ready to Buy in Atlanta?
Let NMHL help you navigate the Atlanta housing market with expert guidance and competitive rates.