COMMITTED TO OUR CUSTOMERS
[ About Georgia Mutual ] [ Commitment to Our Customers ] [ Our Support Team ] [ Our Philosophy ]
[ New Homes Development Program for Builders ]
Georgia Mutual Mortgage Corporation
a Georgia Residential Mortgage Licensee
Georgia Mutual is a full service lender who provides a broad spectrum of loan programs to our clients. These programs include Conventional, FHA, fixed and adjustable, Community Home Buyer, Buydowns, and jumbo loans. Our mortgage consultants draw upon more than 100 products that allows us to match a loan to the specific goals and objectives of your customers. Even when your client does not fall into the "Standard" loan programs, we represent investors, who operate outside Fannie and Freddie guidelines, who are willing to make a loan happen simply because it makes good business sense.
The following are Suggested Programs to meet your client needs:
Conservative, Long Term ........................................ 05% - 20% Down ..... 15, 20, 30 year Fixed Program
Our No Obligation, pre-qualification program, will determine the direction your client can take. Georgia Mutual takes this process one step farther. When we pre-qualify your customer, we can begin the application process immediately. By aggressively processing their loans, you can be assureed that the loan will close when you and the customer are ready. We can also lock your customers into a favorable rate while they continue to shop with you.
We at Georgia Mutual are committed to providing our customers with the highest level of service in the industry. We pledge to act with the utmost of integrity and honesty at all times. We will strive to provide each and every customer with a loan that meets their needs as closely as possible while providing the best total value possible. We are committed to educating our customers and providing them with all the information necessary to make an educated decision concerning their loan. We are also committed to taking as much time as is necessary to work with a customer in the determination and identification of their financial goals and objectives as they relate to their mortgage. We promise to maintain constant communication with each of our customers and keep them advised of the status of their loan at all times. To sum it up, Georgia Mutual Mortgage promises to treat every customer fairly and honestly, with the best of customer service and offer the best rates, terms and conditions in the industry. We hope you choose to do business with the professionals at Georgia Mutual Mortgage funding Corporation.
Conservative, 1st time buyer, limited funds ......... 03% - 05% Down .... CHBP, FHA, Fixed
Conservative, 1st time buyer, Funds Available .... 05% - 20% Down .... Fixed Programs
Conservative, Short term Ownership .................... 05% - 20% Down .... 3 year ARMs, 7/23, 5/25
Liberal, Long Term Ownership .............................. 05% - 20% Down .... ARM or Fixed
Liberal, 1st time buyer, limited funds ................... 03% - 05% Down .... CHBP, FHA, ARM
Liberal, 1st time buyer, funds Available ............... 05% - 20% Down .... ARM, CHBP, FHA
Liberal, Short term Ownership .............................. 05% - 20% Down .... 1 year ARM, 6 Month ARM
Approaching Retirement ......................................... 20%+ Down ............... Short Term fixed, Convertible ARM
Limited Credit ........................................................... 15%+ Down ............... Variable or Fixed
Investors ..................................................................... 30% Down ................. Fixed, Long Term
Refinance, Cash Out ................................................ 25% Down ................. Fixed or ARM
Refinance, No Cash Out .......................................... 05% Down ................. Fixed, Long Term
Commitment to Our Customers ....
In order to provide the highest level of service in the industry, Georgia Mutual has assembled a dedicated team of professionals. There is one common goal shared by all....to provide our customers with a level of service and support beyond their expectations.
Our Underwriting Philosophy ....
Our philosophy and approach to underwriting is new and unique. Our underwriters take a proactive approach, and are committed to designing programs and helping clients acquire loans. It is not their job to deny financing. After conducting an extensive, four month study of the attitudes and perceptions of our clients, we have responded by structuring our underwriting department to reflect this information.
1. Our underwriters have an open door policy toward real estate professionals. We were told that there is a mystique concerning the underwriter and their function in reviewing loans. Our underwriters have been tasked with developing relationships, answering questions, offering advice, and providing support for all of our clients. An open door policy will help our clients become more knowledgeable, and reduce the confusion surrounding underwriting. An open channel of communications is the key to our success.
2. We are committed to the idea that our underwriter's job is to aggressively pursue every avenue possible to make loans close. We do not believe that an underwriter's responsibility is to find reasons to disqualify your client. Our success is based in the practice of making applicants feel confident and assured, while grooming the application for approval. It is our objective to approve mortgage applications, not decline them.
3. Underwriting is much more than a review of financial facts and figures. Although there are decision making guidelines that underwriters must follow, the underwriter has the authority to offer an opinion as to why a application has been approved. This opinion statement allows the underwriter to use compensating factors and common sense in deviating from the guidelines. Simply put, we take every step possible to ensure an approved loan.
New Homes Development Program for Builders ....
The Sales Builder
New Homes Development Program From Georgia Mutual!
We fully understand what goes into closing a sale. Besides presenting a first rate property, your buyers are looking for top value. This exciting new builder/developer program is designed with value in mind. We have carefully reviewed the new construction marketplace and developed a package that will help you sell homes by giving your customers value.
Let's look at some of the competitive features of this plan:
Years of experience, coupled with favorable pricing for surveys, title insurance, legal fees etc., allow us to offer these fantastic prices to you and your customers. We only offer par pricing and never try to upsell the rate. This assures your buyers the absolute lowest rate available.
The following is a sample of the pricing we are offering: Origination fee of $1,500 for loans up to $250,000, $2,000 for loans up to $350,000, $2,500 for loans up to $500,000, $2,800 for loans over $500,000, Title insurance, $1 per thousand (one half the standard rate), Attorney's fee of $400 per loan, underwriting fee of only $125, and surveys for $175. We are sure that you will not find a lender offering you more sales leverage than Georgia Mutual.
While we normally require a commitment for New Home Development packages, we are not asking you to guarantee a minimum number of loans under this new Sales Builder Program. The prices mentioned in this announcement are valid on your very first loan. We are convinced that once you have worked with Georgia Mutual, you will want to have all of your buyers work with us.
Let's talk about your next sale ..... call us at (770) 449-8444
With this remarkable plan, we can close your customer's loans for less than 1.5% of the purchase price for most loans. The amazing thing about this program, is that we will do this without sacrificing any of the service for which we have become well known. We maintain control and manage costs by using our own, in-house underwriters, loan processors, and attorneys.