Learning the Terms • Loan Options • Get Pre-Qualified or Apply • The Closing

At Unity Mortgage, you will deal with neighbors and people you can trust – not huge conglomerates – or faceless distant voices in a telemarketing center who don’t know Stockbridge from Baton Rouge or Rome, Georgia from Rome, Italy. Our neighborhood loan specialists will get to know you and treat you with the respect you deserve in such an important transaction.
We’ve been around the neighborhood block thousands of times and along the way we’ve learned how to get things done. You can trust us to tailor a mortgage that is affordable for you and perfect for your unique circumstances. And we’ll get your loan reviewed quickly – with pre-qualification in 24 hours or less.
We offer very competitive interest rates. Low cost, fast and efficient closings. Low or zero down payment options. Fixed Rate, Adjustable Rate Mortgages (ARM) and Balloon loan programs to purchase or refinance your home, vacation home or investment property including:

• Reverse Loans - program for Seniors enabling them to leverage the equity in their home without the fear of loosing it as long as they live in the home. Click Here for more information.
• Conventional Loans - Terms 10 to 40 years with cash investments as low as 0 to 3%.
  
• FHA Loans - A program insured by the Federal Housing Authority - terms up to 30 years with down payments as low as 3%.
  
• VA Loans - A Veterans Administration program for those who have served or are currently in the U.S. armed forces and meet eligibility requirements - terms up to 30 years and no down payment requirement.
  
• Jumbo Mortgages - amounts to $2,000,000, terms up to 30 years.
  
• Rural Development Loans - These programs are administered by the Agriculture Department for properties in eligible rural areas for borrowers with low incomes - with amounts up to 100% of appraised value, terms up to 30 years and no down payment.
  
• Conventional and FHA Renovation Loans - With home renovation funds built into the loan, programs allow you to purchase and renovate an existing home based on the appraised value after completion of the work.
  
• No Doc, Expanded Loan to Value, Qualifying or Documentation Criteria - Programs which are individualized for borrowers with unique financial circumstances, such as self-employment or a desire to creatively structure a loan best suited to their personal resources. These loans may include no income verification, no ratio and no asset verification loans.
  
• Renters and First Time Buyers - Affordable housing and credit hardship loans are available for first time buyers including State Housing Finance Authority sponsored programs and Fannie Mae’s Timely Payment Rewards program, which rewards credit-compromised homeowners with a rate reduction after 24 consecutive months of on-time payments.
  
• Down Payment Options - A variety of down payment assistance is available to borrowers. Assistance sources include government and non-profit organization sponsored programs (The Nehemiah Program®, Family Home Provider Program), family gifts and loans, and secondary financing.