Why You Want to Relocate to Cumming Georgia

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North Georgia Lending is here to tell you all the great reasons to relocate to Cumming, GA and buy a new home. We’re excited to tell you all about how to research and find your ideal new home. It is important to visit and look up items you want to see in your new neighborhood…. [Read More]

First Time Homebuyers

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North Georgia Lending has helped many first time homebuyers in our Cumming, Georgia offices. We can work with your family to secure your first home through an FHA Loan or VA Loan Program. This week, we are here to tell you more about the wonderful benefits associated with this mortgage. An FHA Loan is a… [Read More]

Doctor Loans

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Are you a recent graduate from medical school with a contract for employment in your field, but have high student debts? Do you want to buy a home? Fear not, because you may be able to buy a home using a doctor loan, also known as a physician mortgage. This program is developed for high… [Read More]

Down Payment Assistance Programs

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Many Georgia residents struggle to buy an affordable home. Even if you put aside funds every paycheck to support the costs, saving for a down payment can be difficult. Usually, mortgage rates improve the more down payment you offer for a home. However, some cannot save enough to meet minimum requirements. At this point, if… [Read More]

Portfolio Loans

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A portfolio loan is a loan that a bank decides to keep in its portfolio and not sell on the market. Sometimes smaller banks or banks with higher income clientele decide to keep a mortgage on their books. In doing so, they benefit from making money on interest rates and servicing fees for the loan…. [Read More]

USDA Loans

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North Georgia Lending is here to help local Cumming, GA homebuyers understand USDA home loan programs.  Sponsored by the United States Department of Agriculture (USDA) these home loans are a great source of financing with many benefits. Many potential homeowners can get approved for no down payment, 100% financing, and construction loans. That’s right, even… [Read More]

What is a Jumbo Loan?

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A jumbo loan is a type of loan used to purchase a home when the loan amount exceeds the limits imposed on various other loans. Fannie Mae and Freddie Mac place limits on the size of the loans they will purchase from lenders. When those limits are exceeded, you will find yourself in need of… [Read More]

Learn More About Cash-Out Refinancing

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If you currently own a home and there is equity available in the home, you can refinance your current mortgage balance into a larger mortgage and receive the difference in cash. If you decide you want to refinance and get cash out of your home, you will need to speak with a lender and make… [Read More]

What is a Conventional Loan?

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If you are scouting out lending options as a home buyer, you probably have come across varying types of loans, and one of the most common you will see is a conventional loan. This type of loan is a mortgage that is not attached to a government agency like the Federal Housing Administration (FHA) or… [Read More]

VA Loans: Honoring Those Who Have Served

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Members who have served in the military or armed forces can be eligible for a VA loan to help them purchase a home. These candidates can use these loans to help finance the purchase of land or a home. VA loans can be very beneficial even if the case you are not a first time… [Read More]