Renting vs. Owning

rentvsownRenting Vs. Owning

 

Renting vs. Owning is one of the greatest debates consumers face. What are the pros and cons of each? Which option is cheaper? What is better for my current lifestyle? These are some of the questions renters face when trying to decide whether home-ownership is the right choice for them.

Contrary to popular belief, renting may not actually be cheaper than owning your own home. Rent prices are on the rise and starting to exceed the cost of a mortgage payment, and there are many other benefits to home-ownership that you may not have thought of, such as investment opportunity, tax deduction, stability, and freedom.

 

Investment Opportunity

Some people say investing in a home is risky; but with no risk, there is no reward. Studies conducted by the Federal Reserve have shown that owning can provide a net worth that is from several to hundreds of times higher than that of renters. When you own, improving your home increases its value. When you rent, improvements only increase value for your landlord. Ultimately, paying rent will only get you a roof over your head. There are virtually no benefits that paying rent offers beyond having a living space. Further, making mortgage payments on time helps build your equity and credit score.

 

Tax Deduction

Some people benefit from claiming deductions for mortgage interest and real estate taxes. Others find a standard deduction more valuable. Even if you exclude the tax benefit, the real cost of owning can still be less than renting.

 

Stability and Freedom

When you move into a home, it is something that is truly yours. You are free to decorate your environment as you please without worrying about restrictions from your landlord. By settling into a home, you will likely find yourself more involved in the community, whether that is through volunteering, participating in your home owners association, or simply establishing relationships with your neighbors. Renting is typically less stable than home-ownership and relationships with those around you tend to be avoided. Payments for a mortgage can be consistent with a fixed-rate mortgage, making the payment process easier.

 

So, with the cost of rent on the rise, finally taking that leap into home-ownership may be well within your means and could prove to be beneficial. Consult with a loan officer in your area today and we can answer any questions you may have!

If you are thinking about home-ownership, you may want to check out our blog on Inlanta’s Home Loan Roadmap.

 

OUR MISSION STATEMENT

Our mission is to be the home financing partner that you trust to serve your family, friends, and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty, and ethics is the foundation of all of our relationships.

ABOUT INLANTA MORTGAGE

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Workplace for a third time in 2015. Inlanta has also received the Platinum Million Dollar USDA Lender Award and has been recognized as a Top Mortgage Employer by National Mortgage Professional and a Top 100 Mortgage Banking Company and 100 Best Mortgage Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016.

Questions to Ask Your Loan Officer

Loan Officer with Couple

 

Questions to Ask Your Loan Officer

It’s easy to get nervous about something as big as applying for a mortgage. What is not so easy is putting our minds at ease if you’re in the middle of the process and things aren’t going the way you had thought they would. Here is a list of questions you can ask your loan officer before you begin the process to help you prepare for what’s ahead.

 

1. What are the steps and process for getting a loan approval?

To avoid any delays or surprises, be sure your loan officer takes the time to clearly explain the process and the steps from application to closing.

 

2. Interview your loan officer.

Be sure he or she is someone you trust and feel comfortable working with.  Ask about their experience with your loan type. Be sure you explore all the loan programs with your loan officer to determine that you are selecting the best choice for you.

 

3. What are the total fees / costs associated with the loan?

Borrowers pay fees at closing for services provided by the lender and other parties, such as title companies. Be sure you have a full understanding and a breakdown of all costs you will incur from application to closing. You should also be made aware of any out-of-pocket expenses you will have associated with the loan (i.e. appraisal fees, homeowners insurance, etc.)

  • Lenders may also charge discount or origination points. One point is equal to 1 percent of the loan amount. (i.e. on a $150,000 mortgage, one point would be a fee of $1,500 added to your closing costs.) Discount points reduce the interest rate or are used to buy the rate down. They are prepaid interest and are typically tax-deductible. Origination points are fees charged by the lender to cover the costs of originating the loan. Ask your loan officer if this will apply to you.

 

4. When can I lock the interest rate?

Interest rates can and do fluctuate. To prevent risking a higher rate, you can lock in your rate based on the market the day of locking. Locks are based on a set time frame, typically 30, 45, or 60 days.  Shorter term locks typically offer the best pricing.  Because the rates can change daily based on market, it is always your decision when to lock in your rate. Ask your loan officer about how you can lock in the best rate.

 

5. Is there a prepayment penalty on this loan?

Be sure you ask up front if your loan has a prepayment penalty.  Some lenders charge a penalty if you prepay on the mortgage. Some apply only when you refinance or reduce the principal balance by more than a certain percentage.

 

6. What is the minimum down payment required for this loan?

Be sure to explore your options regarding down payment.  The bigger down payment might mean a lower interest rate and better loan terms. With a down payment of less than 20 percent, you will likely have mortgage insurance (PMI) that will either increase your monthly payment or your rate.  By exploring your options you may also find that there is a program that will allow you to not have to make a down payment and keep those funds for reserves.

 

7. What documents will I have to provide?

Your loan officer should be able to provide you a list of required documents.  Understand the documents requested are required per federal lending guidelines and the sooner you provide those documents to your loan officer, the better they will be able to direct you.  Most Lenders require proof of income and assets, including bank statements, tax returns, W-2 statements and recent pay stubs.  More may be required based on your individual situation.

 

8. How long will it take to process my loan application?

There are a lot of moving parts to getting a mortgage from application to closing.  The timeframe can vary based on the type of loan program and all the parties involved responding to requests in a timely manner.  Purchase offers are typically written with closing dates anywhere from 30 to 60 days from accepted offer date.  As soon as you have an accepted offer, be sure you are notifying your loan officer right away to keep things rolling.  Your loan officer should be able to provide you an estimated time line along with frequent updates on status so you know you are on track for closing on time.

 

9. What can I do to ensure a timely closing?

Keeping your loan officer informed that you are writing an offer and provide updates until the offer is accepted.  Responding to your loan officer in a timely fashion is important. Asking what else you can do to keep the process moving along can help things go more smoothly.

 

10. What might delay approval of my loan?

Be sure you are up front with you loan officer, one of the things that can slow the process is when information is uncovered that was not known at the time of application.  If a job change, a decrease in salary, a new debt, a change in your credit history, or a change in marital status happens during the loan process, it is imperative that you communicate this with your loan officer as early in the process as possible so they can assist you in avoiding any delays.  The best way to avoid that is to put your financial life in a holding pattern until you reach the closing table.

 

Remember, you and your loan officer are on the same team, working together to get you into your new home as quickly and smoothly as possible.

 

 

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends, and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

 

About Inlanta Mortgage

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Workplace for a third time in 2015. Inlanta has also received the Platinum Million Dollar USDA Lender Award and has been recognized as a Top Mortgage Employer by National Mortgage Professional and a Top 100 Mortgage Banking Company and 100 Best Mortgage Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016

The Importance of a Home Inspection

HomeInspection

The Importance of a Home Inspection

Many buyers will choose to opt out of a home inspection to save some money or if it means getting an accepted offer on the home they are trying to purchase. However, waiving your right to a home inspection can be a costly mistake in the long run. Getting a home inspection can tell you the overall health of the home you are about to purchase, give you an idea of potential repairs, and allow for a home inspection contingency to be added to your contract.

What a Home Inspection Examines

A good inspector should examine certain components of the home you want to purchase and then produce a report covering his or her findings. Be sure to get a copy of the report, but also make sure you attend the inspection, too. You will be able to ask questions, get a firsthand explanation of the inspector’s findings, and see any problems the inspector finds in person. Inspections typically last 2-3 hours, so a little time now could help you get the full picture of your potential new home.

The inspector’s report should include:

  • whether each problem is a safety issue, major defect, or minor defect
  • which items need replacement and which should be repaired or serviced
  • items that are suitable for now but that should be monitored closely

Some common problems found during home inspections include:

  • Faulty wiring
  • Roof problems
  • Heating/cooling system defects
  • Plumbing issues
  • Poor home maintenance
  • Structural damage
  • Poor drainage around the structure, etc.

Download our home inspection checklist here

Home Inspection Limitations

A home inspection checks for visual cues to problems, so it cannot find all of a home’s defects. For example, if the home’s doors do not close properly or the floors are slanted, the foundation might have a crack. However, if the crack cannot be seen without pulling up all the flooring in the house, a home inspector cannot tell you it is definitely there.

In addition, most home inspectors are generalists. For example, they can tell you that the soil is too close to wood outside the home, but will recommend that you hire a pest inspector to check if the home has termites and the extent of the damages. Home inspectors also do not check for issues like site contamination, mold, and other specialized issues. Hiring additional inspectors will cost extra money, but if it is a serious enough issue, it is better to know about it now than later down the road.

Home Inspection Contingency

Home inspections can be used as a contingency in your purchase offer. If the home inspector finds significant damages and defects, the contingency allows you to back out of your offer, free of penalty, within a certain timeframe. These issues must be too expensive or too significant to fix in order for you to rescind your contract.

What Happens After an Inspection

What can you do once you have your inspection?

  • If your purchase contract has a home inspection contingency, you may choose to walk away from the purchase if the problems are too significant or expensive to fix.
  • You can ask the seller to fix any small or large problems. If they will not fix them, you can ask them to reduce the purchase price or give you a cash credit at closing so that you can fix the problems yourself. This is where a home inspection can pay for itself.
  • If these are not viable options (e.g. a bank-owned property that is being sold as-is), you can get estimates to fix the problems yourself, come up with a plan for repairs, and prioritize which repairs need to be done in order of importance.

 

Overall, a home inspection can give you a clearer picture of the health of the home you are about to purchase, signify any repairs that may be needed before or after you move in, and allow you to back out of a contract if repairs would be too costly. If there are no major problems, you will at least have the peace of mind in knowing that your new home is safe and move-in ready. You are making a large investment when you purchase a home; make sure you are getting the most value out of it.

 

 

Our Mission Statement

Our mission is to be the home financing partner that you trust to serve your family, friends and community. Through our family of dedicated mortgage professionals, our commitment is to deliver an exceptional experience. Our unwavering dedication to integrity, honesty and ethics is the foundation of all of our relationships.

About Inlanta Mortgage

Headquartered in Brookfield, Wisconsin, Inlanta Mortgage is a growing mortgage banking firm committed to quality mortgage lending, ethical operations and strong customer service.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is an agency approved lender for Freddie Mac and Fannie Mae, FHA/VA, FHA 203K and USDA. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs.

Inlanta Mortgage was recently named a Top Workplace for a third time in 2015. Inlanta has also received the Platinum Million Dollar USDA Lender Award and has been recognized as a Top Mortgage Employer by National Mortgage Professional and a Top 100 Mortgage Banking Company and 100 Best Mortgage Companies to Work For by Mortgage Executive Magazine.

Inlanta Mortgage, Inc. NMLS #1016

Younger Home Buyers are More Optimistic

Young Home Buyers

Younger Home Buyers More Confident About Home Purchases

The inaugural 2013 National Association of Realtors (NAR) Home Buyer and Seller Generational Trends was released today. This new report evaluated the generational differences of recent home buyers and sellers and found that while eight out of 10 recent buyers considered their home purchase a good financial investment, the number was even higher — 85 percent — for buyers under the age of 32.

Home Buyer & Seller Generational Trends Highlights

NAR found that the largest group of recent buyers was Generation X Americans, those born between 1965 and 1979, who comprised 31 percent of recent purchases, followed closely by Millennials, sometimes called Generation Y, born between 1980 and 2000, at 28 percent. Percentages of recent home purchases among prior generations was significantly lower, 18 percent were Younger Boomers, those born between 1955 and 1964; 14 percent were Older Boomers, Americans born between 1946 and 1954; and 10 percent were from the Silent Generation, those born between 1925 and 1945.

The Home Buying Process – Highlights from NAR Report

  • Among all generations of home buyers the first step in the home buying process is looking online for properties for sale.
  • Younger generations of buyers typically find the home they purchase through the internet, while older generations of buyers first found the home they purchased through their real estate agent.
  • As ages increases the home buyer is less likely to consider purchasing a home in foreclosure.The frequency of internet use in the home search process was directly related to age. Younger buyers not only more likely to use the internet during their search, they use the internet more frequently during their home search process.Older buyers are more likely than younger buyers to be more occasional users during their home search.
  • Home buyer satisfaction with the home buying process increases as age increases. This may be due to not only tightened inventory in lower price brackets, but also realistic expectations of older buyers who are often repeat buyers
 Visit Realtor.org to read the complete Home Buyer and Seller Generational Trends.

About Inlanta Mortgage

Our mission is to be the home financing partner that you trust to serve your family, friends and community.  Founded in 1993, Inlanta Mortgage is currently celebrating its 20 Year Anniversary. View the History of Inlanta Mortgage here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS #1016. Inlanta Mortgage is proud to be named to the Scotsman Guide Top Mortgage Lenders 2012 list and to be among the Top 100 Mortgage Banking Companies in America in 2012. Inlanta Mortgage was also recently named one of the Fastest Growing Milwaukee Area Firms.

First-Time Home Buyer Tips

First-time-home-buyers

Fixed mortgage rates are low, home prices are rising, and homeownership is a great way to accumulate wealth in the long term. Are you ready to buy your first home?

Get the Ball Rolling – Now

Are you considering homeownership?  We recommend home buyers start preparing six months in advance of house hunting – or as soon as possible. Why? First-time home buyers often need time to reduce debt obligations, save up for a down payment, or improve their credit to meet program requirements. If homeownership is something you are considering, use our branch locator to contact a licensed Inlanta Mortgage near you. Inlanta loan officers will help you get on the right path to homeownership.

Improving Your Credit Score – Home Buyer Tips

Why does your credit score matter? Your credit score will help determine the interest rate you get and the loan programs you are eligible for. Higher credit scores enable borrowers to pay lower interest rates. If you haven’t already considered improving your credit score – it’s never to late to start. Here are a few credit tips for potential home buyers:

1. Check Your Credit.

Make sure the information on your credit report is accurate and up-to-date. Get a free copy of your credit report every year from each of the three major credit reporting bureaus at www.annualcreditreport.com. If you have already applied for a mortgage loan, your loan officer will have already pulled your credit report and should be able to advise you on aspects of your credit report that may require attention.

2. Pay Bills on Time

This sounds like a no-brainer but it is important. Lenders want to see a good payment history. Generally, if you pay your bills within 30 days of the due date your late payment will not be reported to the credit bureaus. However, you will accumulate unnecessary and costly late fees.

3. Pay Down Balances

The amounts of debt you have weighs heavily on your overall credit score. If you can pay down balances – your credit will improve. Generally, it’s reasonable to keep your credit card balances at or below 30% of your credit limit. It also makes sense to pay down higher interest card balance before lower interest card balances.

Each loan program that Inlanta Mortgage offers has different requirements. Contact a licensed loan officer to see which programs you are eligible for. Inlanta loan programs include FHA, VA, USDA, 203K, Jumbo, and conventional mortgages. Some loan programs offer no down payment options.

Inlanta Mortgage is proudly celebrating twenty years in business. Learn more about Inlanta’s twenty year history here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

Pre-Approvals for Christmas

House for Christmas

What could be a better Christmas gift than a new home? While it’s unlikely anyone will buy you one – you could always treat yourself. Get pre-approved for a mortgage and take Christmas shopping to a new level!

Pre-Approval Process

First of all, let’s make an important clarification. Pre-qualifications are not the same as pre-approvals.

Pre-qualifications will give you an idea of what kind of loan you may qualifiy for and can typically be completed in minutes. This informal estimate may be just fine for those in the very early stages of home buying process.

Pre-approvals are more involved and are a better indication of your ability to fully qualify for a mortgage loan. With a pre-approval, we will gather all the information we need to begin the loan process. This typically involves a credit check as well as income and asset verification. Typical documents required for a pre-approval include:

  • Bank statements
  • W-2s
  • Drivers License/Identification
  • Paystubs
  • Proof of IRAs or retirement accounts and their balances

Good Faith Estimate

After successfully completing the pre-approval process, you will receive a Good Faith Estimate (GFE). A GFE is a brief document that details the likely terms of the loan, including interest rate, loan type, and closing costs. All that said, a pre-approval is not a binding agreement between you and your lender – final loan approvals require the attention of our experienced underwriting team.

Pre-Approval Benefits

Pre-approvals have several advantages over pre-qualifications:

  • Your Realtor knows you’re serious when you present a pre-approval letter – and will work even harder on your behalf!
  • Sellers prefer to negotiate with prospective buyers with pre-approvals over simple pre-qualification letters – often times sellers won’t even consider your offer without a pre-approval letter from a licensed mortgage loan originator!
  • Your mortgage pre-approval letter takes into consideration down payment percentages, interest rates, property taxes and mortgage insurance – which makes it clearer to you (the buyer) just how much you can truly afford to borrow.
  • A solid pre-approval will help you get your loan processed faster. Getting a pre-approval could take your offer from a 60 day closing to as little as 30 days – with Inlanta’s express underwriting you may be able to close even faster!

Shop Smart

You’re not likely to shop for a car without knowing what you can afford so why would you house shop without knowing what type of loan you may qualify for? A pre-approval helps you make educated decisions about the most important investment of your life.

Contact an Inlanta Mortgage loan officer near you and begin the pre-approval process today to enjoy a new home in 2013! Happy Holidays & Happy House Shopping!

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016. Inlanta Mortgage is proud to be a recent recipient of a 2012 Top Workplace Award.

Rents Rise as Rental Vacancies Decline

As rental vacancies decline, rents rise. It’s a simple matter of supply and demand. Rising rent prices make rental properties more lucrative to investors who then flock to purchase homes and get in on the action. As a result, first time homebuyers looking to take advantage of low rates and low home prices will face stiff competition from investors.

Rents Rise as Rental Vacancies Decline

 

All that being said – don’t let yourself become discouraged! Now is still the best time to purchase your first home. 15-year and 30-year mortgage rates are at all time record lows. Consult a licensed mortgage loan professional to get
pre-approved for a mortgage loan today. Armed with a pre-approval letter, a Realtor can help you find the home of your dreams. Read more about why you need a pre-approval here.

Are you ready to take advantage of the lowest mortgage rates in history and low home prices? Contact and Inlanta Mortgage loan professional to discuss your specific financing needs and get your pre-approval letter today. Click here to find an Inlanta Mortgage loan officer near you.

Still on the fence? Read more about rising rent prices here or discover why home ownership matters here.

Inlanta Mortgage offers Fannie Mae/Freddie Mac agency products, as well as a full suite of jumbo and portfolio programs. The company is fully delegated HUD-FHA including FHA 203K, VA, and USDA approved. Inlanta Mortgage also offers numerous state bond agency programs. Review Inlanta’s mortgage loan programs here.

Inlanta Mortgage is a multi-state mortgage banker based out of Brookfield, Wisconsin. NMLS# 1016.

 

Graphic Source: ClearCapital.com

Are You Ready to Buy a Home?

Interest rates have hit historical lows and homes are more affordable than ever before…so are you ready to buy a home? If you have a steady source of income and have been working on a regular basis for the last few years – now may be time. Other questions to ask yourself:

  • Do you generally pay your bills on time?
  • Do you have a limited amount of long term debts (like a car payment)?
  • Do you have money saved for a down payment?
  • Can you afford a mortgage payment every month plus additional costs for taxes and insurance?

If you said yes to most of these questions, you are probably ready. If you said no, you may want to consult with a licensed mortgage professional and see how to better prepare yourself for the home buying process. Inlanta Mortgage is also happy to work with borrowers with less than perfect credit. Contact a licensed mortgage loan officer today for a free mortgage loan consultation.

So You Are Ready – From Renting to Owning

When you purchase a home you are building equity – an investment. Although real estate moves in cycles – over the years real estate has consistently appreciated in value. Homeownership also comes with tax breaks. The mortgage interest you pay is deductible on your tax return.

Owning a home also provides protection from rent increases, the freedom to decorate or remodel (no need to ask the landlord’s permission), and security of knowing you will be in your house long term.

Buy a home and paint the walls any color you want  – because they are your walls!

Find a licensed mortgage loan officer near you with our Inlanta Mortgage Branch Locator.

Rates Keep Dropping…but for How Long?

According to Freddie Mac, rates on 30-year fixed-rate mortgages averaged 4.15 percent with an average 0.7 point for the week ending Aug. 18, down from 4.32 percent last week and a 2011 high of 5.05 percent in February.

These are new historical lows for 30-year fixed rate loans not seen since the week of November 11,  2010 when 30-year fixed-rate mortgages hit 4.17 percent. Rates on 15-year fixed rate loans haven’t been this low since 1991.

All these rate drops and the Mortgage Banker’s Association says that the demand for mortgages are down 13.5% from a year ago. Refinancing applications accounted for nearly 8 of 10 loan requests and up 8% from last week.  Some lenders are having a hard time keeping up with the refinancing boom – but not Inlanta Mortgage. Consult a licensed mortgage loan professional to discuss if refinancing is an the right option for you.

Mortgage Rates Fall – Refinancing on the Rise, Homes More Affordable

Many homeowners are taking advantage of record low mortgage rates. According to the Mortgage Bankers Association, refinance application volume has increased by 63% over the past month – up 21.7% from last week. If you own a home, have a good job, and can qualify for a mortgage – refinancing has the potential to reduce the amount you pay in interest over the life of your loan, reduce you monthly mortgage payments, and whittle down your principal mortgage balance faster. Obviously not every homeowner is in the same boat – so our licensed professional mortgage loan officers are ready to help you determine if you are in a good position to refinance.

S & P’s downgrade of the U.S.’s credit rating, the subsequent drop in stock market values, and European debt concerns have contributed to record low mortgage rates. Freddie Mac’s weekly survey of conforming interest rates lists 30-year fixed-rate mortgage rates at 4.32% for the week ending August 11th (today).  According to the National Association of Realtors affordability index – homes have never been more affordable than any other time since the group began keeping track.

Refinance? New Purchase? For more information, contact an Inlanta Mortgage Loan Officer here or locate a branch near you here.