10 Best Georgia Dream Mortgage Lenders of 2020

Why we like it

Pros

• Offers an ITIN qualification path for undocumented borrowers.

• Has a digital application process.

• Offers several mortgage options for low- to moderate-income borrowers.

• Borrowers can qualify with income from self-employment and other nontraditional sources.

Cons

• No mortgage rates published online.

• No home equity loans or lines of credit.

• Generally has higher rates and fees than other lenders.

• Branch offices not available in all states.

Why we like it

Pros

• Offers digital income, asset and employment verification.

• Offers multiple renovation loan options.

• Has over 200 affiliated loan stores nationwide for customers who prefer face-to-face service.

Cons

• Mortgage rates aren't available online; you'll need to contact a loan officer.

• Does not offer home equity loans or lines of credit.

Why we like it

Pros

• Offers multiple online conveniences, including a full mortgage application, e-signatures and digital loan process tracking.

• Offers a wide variety of loan products, including home improvement and manufactured home loans.

Cons

• Does not offer home equity loan products.

• Average interest rates and fees are higher than other lenders.

Why we like it

Pros

• Offers a full array of mortgage products, including government and renovation loans.

• Has loans for most purposes, including purchase, refinance and jumbo mortgages.

• Online portal keeps borrowers up-to-date on the loan application's progress.

Cons

• Doesn't post interest rates on its site.

• Doesn’t offer home equity loans or lines of credit.

Why we like it

Pros

• Offers a variety of low-down-payment mortgages as well as construction mortgages.

• Website lets users estimate rates online by loan and property type, amount and location.

• Has an online mortgage application.

Cons

• Branches limited to mostly the Southeast region.

• Does not offer FHA loans.

Why we like it

Pros

• Offers a wide variety of loan options, including special programs for doctors, entrepreneurs and other professionals.

• Offers a complete suite of online mortgage application tools and loan tracking.

• Sample rates and fees are easy to find on the website.

Cons

• Customized rates aren't available online without starting an application.

• Branches are limited mostly to the Southeast.

Why we like it

Pros

• Offers a robust suite of loan products, including a variety of renovation loans.

• Has a digital application that can be completed in 10 minutes.

• Works with some state housing finance agencies to offer mortgages with down payment and closing cost assistance.

Cons

• Mortgage rates aren't posted online.

Why we like it

Pros

• Full online application includes document uploads and automated loan updates.

• Offers a "float-down" interest rate lock.

• Offers a proprietary closing-cost assistance program.

Cons

• No online mortgage rates — you have to contact the lender for info.

• Doesn't offer home equity products.

Why we like it

Pros

• Offers loan plans for borrowers without credit scores.

• Annual mortgage reviews help borrowers stay on track toward the goal of living debt-free.

• Offers digital conveniences such as document uploads and e-signature.

Cons

• Doesn't provide information online about rates and fees.

• Doesn't offer home equity loans or HELOCs.

• You can’t apply online without first speaking to a loan specialist.

Why we like it

Pros

• Uses manual underwriting to evaluate creditworthiness.

• Offers full online mortgage application, rate quotes, document upload and loan tracking.

Cons

• Mortgage rates offered to borrowers are higher than the government-reported median of all lenders.