Conventional Loan Options from Johns Creek Mortgage
Conventional loans are the most popular loans. We follow the conforming mortgage loan limits established by the Federal Housing Finance Agency (FHFA). The limit is currently $647,200 in most areas. Call our loan experts for details about our Jumbo Loan Programs for mortgage amounts exceeding this limit.
Johns Creek Mortgage, LLC offers several 3% down payment programs.
97% Loan to Value Conforming Conventional Loans
- Loans for First Time Homebuyers with income limits to serve low to moderate-income borrowers with Reduced Private Mortgage Insurance Coverage.
- Loans for First Time Homebuyers with standard private mortgage insurance
- No first-time homebuyer requirements and standard private mortgage insurance
- Maximum 3% seller contribution allowed towards borrowers closing costs.
- Gifts are allowed from relatives.
- Owner Occupied Properties Only
80.01% – 94.99% Conforming Conventional Mortgages
- Down payment may be gifted
- Standard Private Mortgage Insurance (PMI) Coverage Required
- Seller contributions allowed
- 3% Max. 90.01% to 95.00%
- 6% Max. 80.01% to 90.00%
80% Loan to Value or Less Conforming Conventional Mortgages
- No PMI Required
- Allows up to 6% seller assistance for buyers' closing costs.
- Investment property lending up to 80% (Max 2% Seller Assistance)
Important Notice:
Interest Rates and Maximum Loan-to-Value may be based on Credit Score, Property Type, Occupancy, Purpose, Investor, Insurer, Loan to Value and other factors. Additional investor, insurer and Johns Creek Mortgage, LLC's criteria/conditions apply to all products. Information provided is for illustrative general use only and does not contain all qualification and automated underwriting approval requirements. Johns Creek Mortgage, LLC reserves the right to change this information at any time. Meeting any of the criteria does not constitute a commitment to lend.
Call 678-632-0080 now – we can help with any type of mortgage loan.
We offer superior residential mortgage services for families in GA, FL, AL, NC, SC, TN, TX, VA, MA & NH.
We offer the very best services in our field. We never settle for second best, and always have your satisfaction as our top priority. It’s who we are, and we are proud of it.
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Contact Information
Phone: 678-632-0080
Fax: (678) 326-4709
Email: info@johnscreekmortgage.com
Address: 6455 E Johns Crossing Suite 350
Johns Creek, Georgia 30097 United States
NMLS ID #2320634 | Fair Lender | Fair Housing
Our Location
Fair lending laws and regulations prohibit lenders from considering your race, color, national origin, religion, sex, familial status, or disability when applying for residential mortgage loans. Fair lending laws and regulations guaranty the same lending opportunities to everyone.
State Licenses
Georgia - 2320634 Florida - MBR5099 North Carolina - B-209646 South Carolina - DCA Licensee Virginia - MC-7477 Texas - SML Mortgage Company Licensee
New Hampshire - 24838-MBR Massachusetts - MB2320634 Alabama - 23507 Tennessee - 2320634
TEXAS DISCLOSURE
CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV
. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT
1-877-276-5550.
THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV.