Home Loans
SIMPLIFIED
Steps To Your Dream Home
Mortgage Loan Options
"Find the Best Mortgage for Your New Home"
Conventional Loan
Low rates, flexible terms, no government backing required.
FHA Loan
Low Down Payments, Easy Qualification for Homebuyers.
USDA Loan
Affordable rural home loans with low interest and no down payment.
VA Loans
Exclusive benefits for veterans, simplifying home buying.
ABOUT US
We Are Fully Dedicated To Support You
At UHome Mortgage, we are dedicated to helping you find the perfect home loan solution tailored to your unique needs. Based in the vibrant city of Atlanta, Georgia, we proudly serve clients across the entire state, providing top-notch mortgage services that are designed to make the home-buying process smooth and stress-free.
OUR TEAM
Coby Pegues
NMLS# 2556341
President
Mortgage Loan Originator
Jess Pegues
NMLS# 2556340
Executive Vice President
Mortgage Loan Originator
Mikey Diokles
Sales Manager
Testimonials
People Love Us
As a first time home buyer in a new market I couldn't have dreamed of better guidance from the Jacoby @ Uhome Mortgage. The entire team prioritized my loan processing from the initial approval all the way through closing, which in this market was a 4 month process.
Emmit Berry
Extremely dignified and persistent for home buyers in this market you can trust. Young but experienced.
I will be referring them to my family and friends.
Sarah Linkin
Mortgage FAQs
Clear Answers to Your Most Pressing Mortgage Questions
What are the steps involved in getting a mortgage?
The mortgage process involves several steps: pre-approval, house hunting, loan application, underwriting, and closing. Your Mortgage Broker will guide you through each stage to ensure a smooth process.
How do I get preapproved for a mortgage?
To get pre-approved for a mortgage you will need to provide financial information such as income, employment history, credit score, and existing debts. The lender will review information to determine how much you can borrow.
What documentation do I need to provide during the loan process?
Common documents include proof of income, (1 month of paystub's, 2 years of tax returns), bank statements, employment verification, identification, and details about your debts and assets.
How long does it take to get a mortgage approved?
The mortgage approval process typically takes between 30 to 45 days, but it can very depending on the complexity of your application and the lenders requirements. Down payment assistance loans can take a little longer to get approved.
Can I still get a mortgage if I have a low credit score?
Yes, it's possible to get a mortgage with a low credit score, but you may face higher interest rates and stricter lending terms. Your mortgage broker can help find lenders who offer loans to borrowers with lower credit scores.
Can I still get a mortgage with a low credit score?
T yes, it is possible to get a mortgage with a low credit score, but you may face higher interest rates and stricter lending terms. Your mortgage broker can help find letters who offer loans to borrowers with lower credit scores.
What is a down payment and how much do I need to put down?
A down payment is an upfront payment made when purchasing a home. The amount requires varies by loan type and lender, but typically ranges from 3% to 20% of the property's purchase price.
What are closing costs and what do they include?
closing cost or fees associated with finalizing your mortgage. They typically include appraisal fees, title insurance, attorney, fees, and loan origination fees. Expect to pay between 2% and 5% of the loan amount and closing cost.
What happens if my loan application gets denied?
If your application is denied, the lender will provide a reason. Your mortgage broker can help you understand the issues and suggest steps to improve your chances for future approval, such as improving your credit score or reducing debt.
What should I do if I have more questions during the long process?
Feel free to contact us at any time. We are here to answer your questions, provide guidance, and ensure you understand each step of the loan process.
Office:
3401 Nornan Berry Dr Ste 257-A
Atlanta, Ga 30344
Call
404-375-7791
Email:
Site:
www.uhomemortgage.com
Company NMLS: 2559453 NMLS Consumer Access