NMHL Mortgage Lending
Mortgage Lender in Athens, GA
Local expertise and competitive rates for Athens homebuyers.
Athens, GA, is a vibrant college town with a thriving real estate market. As of 2023, the median home price in Athens stands at approximately $340,000, reflecting a steady increase in property values over the past few years. At National Mortgage Home Loans (NMHL), we understand the unique needs of Athens borrowers, from students and faculty to long-time residents. Our local expertise and personalized service make us the go-to mortgage lender in Athens, helping you navigate the complexities of the local housing market with competitive rates and tailored loan options.
Athens is known for its diverse neighborhoods, each with its own character and charm. From the historic homes in the Cobbham Historic District to the modern apartments in downtown Athens, there's something for every lifestyle and budget. As a borrower, you'll want to consider factors like property taxes, school districts, and local amenities when choosing your dream home.
At NMHL, we're committed to serving the underserved, including first-time homebuyers, self-employed individuals, and those with less-than-perfect credit. Our range of mortgage programs, including FHA, VA, and USDA loans, ensures that you have access to the financing you need to achieve your homeownership goals.
Athens Housing Market Overview
Explore mortgage options in Athens, GA with NMHL. Our local expertise helps you navigate the Athens 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 Athens
Explore mortgage options tailored to Athens 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
Learn MoreWhat Our Clients Say
Real reviews from Google — no cherry-picking
Our Presence
Click on endorsed states to see our direct resources!
Exploring Athens Neighborhoods
Athens is known for its diverse and vibrant neighborhoods, each with its own unique character. Some popular areas include the Historic District, with its charming historic homes; Cobbham, with its mix of older and newer homes; and Five Points, with its lively atmosphere and convenient access to downtown.
- The Historic District is known for its beautiful historic homes and tree-lined streets.
- Cobbham offers a mix of older and newer homes, with many families drawn to its highly-rated schools.
- Five Points is a lively neighborhood with a mix of apartments, townhomes, and single-family homes.
At NMHL, we're familiar with the unique characteristics of each Athens neighborhood and can help you find the best fit for your lifestyle and budget.
Contact NMHL to schedule a consultation and explore your mortgage options in Athens.
First-Time Homebuyer Programs in Georgia
If you're a first-time homebuyer in Athens, there are several programs available to help you achieve your homeownership goals. The Georgia Dream Homeownership Program, for example, offers up to $7,500 in down payment assistance for eligible borrowers. NMHL can help you explore these options and determine which programs you're eligible for.
In addition to state-level programs, NMHL also offers our own first-time homebuyer program, which provides competitive rates and flexible credit scoring. Our experienced loan officers will work with you to navigate the mortgage process and find the best fit for your financial situation.
Don't miss out on the opportunity to become a homeowner in Athens. Contact NMHL to learn more about our first-time homebuyer programs.
Understanding Property Taxes in Athens
As a homeowner in Athens, you'll need to factor property taxes into your mortgage planning. The average effective property tax rate in Athens-Clarke County is 0.86%, which is slightly higher than the state average. Homeowners can expect to pay around $2,900 per year in property taxes on a $340,000 home.
At NMHL, we can help you understand how property taxes will impact your mortgage payments and overall cost of homeownership. We'll work with you to explore your options and find the best fit for your financial situation.
Contact NMHL to schedule a consultation and get a better understanding of property taxes in Athens.
Mortgage Options for Underserved Borrowers
At NMHL, we're committed to serving the underserved, including self-employed individuals, those with less-than-perfect credit, and veterans. Our range of mortgage programs, including FHA, VA, and USDA loans, ensures that you have access to the financing you need to achieve your homeownership goals.
Our experienced loan officers will work with you to navigate the mortgage process and find the best fit for your financial situation. We'll also help you explore down payment assistance programs and other resources to help you overcome any obstacles to homeownership.
Don't let credit challenges or other obstacles stand in the way of your homeownership dreams. Contact NMHL to learn more about our mortgage options for underserved borrowers.
Frequently Asked Questions
Mortgage rates in Athens vary depending on the loan program and your individual financial situation. At NMHL, we offer competitive rates starting at 6.5% APR for a 30-year fixed loan. Contact us for a personalized rate quote and to discuss your mortgage options.
While a good credit score can help you qualify for better mortgage rates, NMHL offers options for borrowers with less-than-perfect credit. Our FHA loan program, for example, allows credit scores as low as 580 with a 3.5% down payment. We'll work with you to explore your options and find the best fit for your financial situation.
The average effective property tax rate in Athens-Clarke County is 0.86%, which is slightly higher than the state average. Homeowners can expect to pay around $2,900 per year in property taxes on a $340,000 home. NMHL can help you factor these costs into your mortgage planning.
Yes, there are several down payment assistance programs available to homebuyers in Athens. The Georgia Dream Homeownership Program, for example, offers up to $7,500 in down payment assistance for eligible borrowers. NMHL can help you explore these options and determine which programs you're eligible for.
Getting pre-approved for a mortgage with NMHL is easy. Simply contact us to schedule a consultation, and we'll review your financial information to determine your pre-approval amount. We'll also guide you through the pre-approval process and answer any questions you may have.
Some of the most popular neighborhoods in Athens include the Historic District, Cobbham, and Five Points. These areas offer a mix of historic homes, modern apartments, and convenient access to local amenities like the University of Georgia campus and downtown Athens.
Related Resources
Ready to Buy in Athens?
Let NMHL help you navigate the Athens housing market with expert guidance and competitive rates.