Georgia Hero Background Image
Southern hospitality thrives in Georgia, a state known for its friendly communities, delicious cuisine, and rich history. Explore bustling cities like Atlanta or charming coastal towns. Georgia boasts a strong economy and a low cost of living. Make Georgia home with a great mortgage rate.

What our Georgia clients say

See more testimonials

As a first-time homebuyer, I couldn't have asked for a better mortgage broker than Kevin Richardi and his team. From start to finish, they made what could have been a stressful process incredibly smooth and easy to navigate. Kevin and his team were consistently responsive, patient, and willing to answer every question I had along the way. They took the time to explain each step of the process, which gave me confidence and peace of mind throughout my home-buying journey. One of the things I appreciated most was their easy-to-use online portal, which made uploading documents, tracking progress, and staying organized simple and convenient. Communication was excellent, and I always felt like a priority. Kevin and his team worked hard to ensure everything stayed on track and were proactive in addressing any issues before they became problems. Their professionalism, expertise, and dedication made a huge difference. I highly recommend Kevin Richardi and his team to anyone looking for a mortgage broker, especially first-time homebuyers. They truly made the experience enjoyable and helped turn my dream of homeownership into a reality.

Dominic P.

google

All is well, Thank you so much for helping me purchase my first home and making one of my lifelong dreams come true. Your guidance, patience, and support throughout this journey meant more to me than words can express. Because of your dedication and hard work. I now have a place call home, and I will be grateful for everything you did to help make this dream a reality.

Nicolas S.

google

It’s rare that I come away genuinely impressed with the level of service I receive, but working with Denise and Total Mortgage was one of those exceptional experiences. I was truly surprised by their dedication, responsiveness, and unwavering commitment throughout the entire process. Denise was always available when I needed her—consistently the last to respond because she was waiting on me, never the other way around. That level of attentiveness and accountability is hard to find. On top of that, the ease of using their website and mobile app made the entire experience feel almost too simple—like it shouldn’t be this easy to navigate such an important process. Overall, an outstanding team that goes above and beyond. I would highly recommend them to anyone looking for a smooth, efficient, and truly supportive mortgage experience.

Duane M.

google

Did everything he could to help get the process going, fast, efficient and went out of his way to accommodate our schedules it was great to work with Jason

Alfredo

google

Thank you Total Mortgage for helping me obtain the fund’s needed. You were on top of the whole process and helped me in every way to get you the proper information needed to close on this loan. I would recommend Total to anyone who is looking to obtain a loan weather it be personal or commercial! Thank you Bill

William S.

google

Jason and his team did an excellent work, they were very informative, shows a lot of empathy, very patient I would work with them again 10/10 hassel free

Tamika G.

google

Great experience working with Mike Ortiz, he was able to explain things clearly and was never too busy to answer questions. Him and his entire team are the best. Would recommend. Thank you!

C S.

google

⭐⭐⭐⭐⭐ We had a long and challenging journey to get our house closed, and Denise was there every step of the way. From the very beginning to the final closing, she showed incredible patience, professionalism, and dedication. No matter what obstacles came up, Denise worked hard to keep everything moving forward and always kept us informed throughout the process. Her commitment and persistence made all the difference in helping us successfully close on our home. I am truly grateful for all of her hard work and support. If you’re looking for a knowledgeable and reliable real estate professional, I highly recommend Denise. I look forward to working with her again in the future!

Homero D.

google

⭐⭐⭐⭐⭐ We had a long and challenging journey to get our house closed, and Denise was there every step of the way. From the very beginning to the final closing, she showed incredible patience, professionalism, and dedication. No matter what obstacles came up, Denise worked hard to keep everything moving forward and always kept us informed throughout the process. Her commitment and persistence made all the difference in helping us successfully close on our home. I am truly grateful for all of her hard work and support. If you’re looking for a knowledgeable and reliable real estate professional, I highly recommend Denise. I look forward to working with her again in the future!

Homero D.

google

The Total Mortgage Team is simply the best! From start to finish, the entire process was smooth, simple, and effortless. Every member of the team was professional, knowledgeable, responsive, and committed to making sure everything stayed on track. They truly run like a well-oiled machine. Communication was excellent throughout the process, and I always felt informed and supported every step of the way. What could have been a stressful experience was made easy because of their expertise and dedication. I am beyond happy with my experience and grateful for all of their hard work. If you are looking for a mortgage company that delivers outstanding service and results, I highly recommend the Total Mortgage Team. Thank you for helping make my homeownership journey such a positive one!

Delroy B.

google

Frequently asked questions about Georgia mortgages

What is considered a good mortgage interest rate?

When exploring mortgage rates, it's essential to evaluate not only the interest rate but also consider additional loan terms such as annual percentage rates (APRs), fees, and closing costs. A comprehensive comparison of loan specifics from multiple lenders is crucial in identifying the most advantageous deal tailored to your circumstances.

Should I lock my mortgage rate?

Mortgage rates are subject to frequent and unpredictable changes. Contemplating locking your mortgage rate may be prudent under the following conditions:

  • Rising rates: If there's a sustained upward trend in rates over several weeks or months, securing your rate ensures it won't exceed the initially qualified rate.
  • Federal Reserve meeting: Anticipating a potential rate increase during a Federal Reserve meeting, consider locking your rate before the meeting for financial security.
  • Desire for financial certainty: Locking your rate guarantees a stable monthly mortgage payment, shielding you from unexpected changes.
  • Set closing date: If your closing date is fixed with no expected delays, securing your rate is a strategic decision.

How long does a mortgage rate lock last?

The specific lock-in period may vary, but generally, you can secure a mortgage rate for 30 to 60 days. Once the rate lock expires, unless the lender agrees to an extension, the initially locked rate is no longer guaranteed. Changes in factors like credit score, loan amount, debt-to-income ratio, or appraisal value during the lock-in period could potentially void the initial rate lock.

Is it possible for me to negotiate my mortgage rates?

Depending on your credit qualifications and willingness to obtain quotes from multiple lenders, negotiating a lower mortgage rate may be feasible. Another option is purchasing mortgage points, where paying a percentage of the interest upfront can reduce the interest rate and monthly payments. A mortgage point is equivalent to approximately 1% of the total loan amount, translating to around $2,500 on a $250,000 loan.

How are interest rates determined?

Lenders establish interest rates for their loan products, influenced by factors such as the Federal Reserve's actions, economic conditions, and consumer demand. Changes in short-term rates by the Federal Reserve can prompt lenders to adjust mortgage rates. Individual considerations, including credit score, down payment, income, as well as the varying levels of risk and operational expenses for lenders, can also impact mortgage rates.

How frequently do mortgage rates change?

Mortgage rates can vary daily, influenced by factors like inflation, the bond market, and the overall housing market.

Speak to a Georgia mortgage expert

Speak to a Georgia mortgage expert today