AMERICA'S HOME LENDER

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MORTGAGE Interest Rates
for
GEORGIA

JUMBO LOANS
NOW AVAILBLE

CONFORMING
FIXED RATE MORTGAGES

30 Year Fixed
4.50% / 4.69% APR

15 Year Fixed
4.25% / 4.49% APR

5/1 ARM
3.50% / 3.78% APR

USDA LOANS!!
100% PLUS LOANS
AVAILABLE
Please Contact Us
For Terms and Conds

(APRs are calulated on $165,000 Loans & 80% Loan to Values & Credit Scores of 740 or greater)

CALL FOR
INFORMATION ON
FHA LOANS
FOR
PURCHASE
OR REFI

MORTGAGES
for Georgia
JUMBO LOANS

15 Year
Fixed Rate
5.625%
5.957% APR
up to $2,000.000.00

JUMBO MINI FIXED
4.750
5-1 Mini Fixed Rate
up to $2,000,000.00

30 Year Fixed
5.75% / 5.91% APR
15 Year Fixed
5.500% / 5.771% APR

( APR'S are calculated on $417,001 loans and 80% Loan to Values & Credit Scores Greater than 740 )

MORTGAGES
for
COMMERICAL
&
MORTGAGES
for
APPARTMENTS
in
Georgia
Fixed or Adjustablec
Commmerical Offices
Dr. Offices
Appartments
Warehouses, Industrial
Churchs, Automotive
Golf Courses
Car Washes

Contact us today !
Interest Rates Effective:
2/24/10 at 10:30 am
Rates subject to change without notice.

Georgia Residential Mortgage License 12598
NMLS # 160328

Your NEW Georgia home or EXISTING Georgia home reflects your unique personality. Maybe it's a welcoming two-story with room for kids, pets and a putting green? A relaxed townhouse on the 9th fairway? Or a sleek loft high above downtown Atlanta? Our goal is to help you build or purchase the perfect Georgia home or refinancing your current Georgia home? At America's Home Lender we'll assists you in choosing the right loan specifically tailored to your personal credit and financial situation which will enable you to finance your Georgia Home. AMERICA'S HOME LENDER is built on the individual service provided by our Loan Consultants. Each America's Home Lender Consultant is well trained in a variety of home investment programs, here to serve your individual Georgia mortgage/financing needs They will walk hand-in-hand with you through the process, educating you along the way and serving as your advocate to ensure that the home loan matches you, the individual. They will keep your builder and or real estate agent(s) apprised of you loan status and when these goals are met, they will celebrate with you on the purchase of you new Georgia home. So, we are glad you are here. Welcome ! AMERICA'S HOME LENDER, and AHL's BUILDER DIVISION offers a variety of loan programs to meet your Georgia Mortgage Loan needs. We work with the leading lenders in the industry to provide: ADJUSTABLE RATE MORTGAGES (ARMS): Available in 1,3,5,7, & 10 Year terms, these loans hold the initial rate through the stated term and then adjust annually based on a -determined index. Yearly and life of loan caps prevent large fluctuations. Rates for these loans are typically below fixed rates. You can maximize your borrowing power: because you qualify at a lower interest rate, you qualify for a higher loan amount. Some have new Zero Down Payment Options. CONVENTIONAL LOANS: 30, 20, 15, & 10 Year terms with rates fixed throughout. Down payments as low as 5%. Mortgage Insurance is required where the loan to value is greater than 80%. These are loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Predictability; since your interest rate is fixed for the life of the loan, your payment never changes. You have Interest Rate Protection, regardless of what happens to the economy and the interest environment your rate cannot and will not change. Generally they have higher limits than FHA or VA. These popular loans comprise a large segment of the mortgage market. NO CLOSING COSTS LOANS AMERICA'S HOME LENDER specializes in No Closing Cost Loans for primary residence loans over $200,000. Once you are a client of ours we will constantly monitor our database to look for opportunities to drop your rate for no closing costs. A No Closing Cost Loan allows the homeowner to complete the home mortgage loan process without having to come up with the cash to cover the closing costs whether purchasing a new home or refinancing an existing mortgage. There are many good reasons for choosing this type of mortgage or refinance such as needing all available funds for the down payment or moving expenses or wanting the funds available for a business investment. Keep in mind the concept of discount points. By paying points, you can buy the rate down. Well, the reverse is true. If you decide on a loan with a rate higher than the base rate, we as the lender are paid the opposite of discount points - called Yield Spread Premium. We can use these funds to pay some or all of your closing costs. No one works for free; the slightly higher rate gives us the funds to pay the attorney, underwriter, title insurance and so on. Closing costs costs usually include an origination fee, appraisal fee, title search, tax search, processing fee, tax service fee, underwriting fee, flood cert fee, hazard insurance, survey, taxes, deed recording fee, credit report fee, attorney fees and other costs assessed at settlement. The costs of closing are listed on our Good Faith Estimate and they are *Guaranteed by AHL.* Instead of paying for all the closing costs, with a rate between the full closing cost and no closing cost loan we can often do a reduced closing cost loan. This type of loan is not as well known. With a no closing cost loan program, the borrower does not pay the costs typically associated with a loan closing such as lender's title insurance, survey, attorney's fees, appraisal, credit report, processing fees, flood cert, tax service fee, document preparation and underwriting fees. The borrower does not pay any points either. In addition, the borrower pays no application fee and no rate-lock fee. You are provided with a full "HUD 1" settlement statement showing a lender credit for all normal closing costs. There is no catch, other than a slightly higher rate for these particular loans, which generate a rebate for the lenders to use to pay the closing costs. No closing cost loans can be used for either a refinance or a purchase transaction, although they are most commonly associated with a refinance. A no closing cost refinance is the quickest way to generate immediate interest rate and payment savings with no upfront investment in closing costs. To continue with our example, let's assume that a borrower is currently at 7.5% on a 30 year fixed rate loan and is interested in refinancing now that interest rates are declining. But what is the best time to finally ``bite the bullet'' and lock in a rate? If the person chooses to refinance using the no closing cost method, it doesn't matter when they lock in, so long as they are immediately saving money by refinancing. By choosing the 7.25% no closing cost loan, their payment would decrease right away, with no upfront investment to refinance. Should interest rates continue to decline, the borrower can simply refinance again to obtain additional savings. CONSTRUSTION / PERMANENT LOANS Are you building your dream house? Do you want to simplify the process and stay in control? Construction/Permanent loans offer you Efficiency, only one loan application and one approval process. *Convenience:* you can purchase your lot, obtain construction financing and secure permanent financing at one loan closing. *Control:* you can control interest rate risk, you may lock in the interest rate during construction with ability to obtain a lower rate if rates dcline. JUMBO LOANS: These mortgages offer you, Higher loan amounts for the purchase of more expensive homes. Combination loans that allow you to avoid mortgage insurance. Down payments as low as 5% on may jumbo mortgage products. Mortgage Products that allow for the maximizing your mortgage interest deduction and managing monthly cash flow. You are able to leverage your investment funds. Jumbo mortgages refer to loan amounts that exceed $417,000.00. These loans are commonly referred to as "*Non-Conforming" loans because they do not conform to Fannie Mae ( Federal National Mortgage Association) or Freddie Mac ( Federal Home Loan Mortgage Corporation ) loan limits. America's Home Lender offers many different jumbo loan options, including Fixed-Rate, Arm's, Interest Only & Payment Option Loans. SUPER JUMBO LOANS:* All the same features of the Jumbo Loans with higher loan amounts. In most cases up to $6,500,000.00. FIXED RATE HOME EQUITY LOANS: 15, & 10 Year terms with rates fixed throughout the life of the mortgage. These loans are referred to as Closed Ended Loans. These are loans are Second Mortgages that meet Fannie Mae and Freddie Mac loan limits with loan to values not to exceed 95% of the property value. With these loans you have Interest Rate Protection, regardless of what happens to the economy and the interest environment your rate cannot and will not change. INTEREST ONLY LOAN PROGRAMS An "Interest Only" Mortgage loan is a very popular alternative to traditional fixed rates. Gaining popularity at record speed, these home loans allow consumers to make interest only payments during a defined period of time for the loan. America's Home Lenders has many different Interest Only Programs to choose from. These programs can offer consumers greater purchasing power and increased cash flow. In a five-year interest only loan, for example, the borrower has a fixed rate for five years and is only obligated to pay the interest owed every month for the first five years. At the end of the five-year period the interest rate will adjust based on the then current interest rates and the loan will then amortize over the remaining 25 year term of the loan. This could mean hundreds of dollars in monthly savings in the first five years, increased purchasing power and many other benefits. If you don't think you will be in your home more than five years, expect that you will refinance in the next five years or think that your income will be going up in coming years this might be a great option for you. These loans are not for everybody. If you are can sleep at night knowing that 5-7 years from now your payment may go up (if interest rates go up, you are still in this home and you have not refinanced), you are self disciplined, have a good understanding of the time frame you will be in your home and understand the potential risks then these products may provide an extremely attractive option to many homeowners. INCOME PROPERTY / INVESTMENT PROPERTY ( Single Family & Multi Family These Loans are the same as the Adjustables, Conventional Conforming, Jumbos, Super Jumbos and Piggy Backs. The differences on these loans is the interest rates are slightly higher, usually .375% to .500%. STATED INCOME AND NO DOCUMENT LOANS These are loans designed for the *self-employed or commissioned employee* and the requirements for stated inome are a business license for two years or a letter from your CPA stating you've been in business two years. If your office is in your home, and your business isn't listed in the phone book, the CPA's letter should specify that it is a business you run from your home. These programs can be Conventional, Jumbo, Super Jumbo or even "Non-Conforming. These loans require a full appraisal, with interior photos, market analysis and rent comps, done by our appraisers. ( Offered by only a few lenders 6-02-2008) VACATION / SECOND HOME LOANS 30, 20, 15, & 10 Year terms with rates fixed throughout. ARM's and Interest Only Loan programs are available. Down payments as low as 20%. Mortgage Insurance is required where the loan to value is greater than 80%. These are loans that meet Fannie Mae and Freddie Mac loan limits and property and borrower guidelines. Generally they have higher limits than FHA or VA. These popular loans comprise a large segment of the mortgage market. COMMERCIAL LOANS Many Commercial Loans are available from small loan amount of $100,000.00 up to $10,500,000.00. Please contact us for Details. LOAN PRODUCTS FOR YOUR PRIMARY RESIDENSE AT A GLANCE. Conventional: Purchase a home with a Fannie Mae or Freddie Mac loan up to $417,000 with as little as 5% down. Refinance your home up to 95% of the value of your home. Jumbo loans up to $2,000,000 with 10% minimum down payment. We offer Low fixed Rates and a wide range of ARM and Balloon Products. First time Homebuyers: Special Financing available for First time Homebuyers with as little as 3% down. Gift funds are acceptable for source of down payment, prepaids, and closing costs. Construction to Permanent Loans: Build your dream home with a single loan for the construction, that converts to the permanent financing. Only one set of papers to sign, and only one set of closing costs. 5% down up to $259k, 10% down up to $400k, 20% down up to $650k. Long Term Locks: Conforming, Fixed rate loans allow for up to a 9 month lock in with one float down option and Conforming, ARM rate loans up to a 90 day lock in. Rate & Term Refinance: Refinances of interest rate and loan term are available up to 95% combined loan to value (CLTV) and closing costs financed. Cash Out Refinances/Consolidation Loans: Consolidate 1st and 2nd mortgages, receive cash out for debt consolidation, home improvements, etc. Non-Escrow Loans: Loans are available without an escrow account with as little as 20% down. Some fees apply usually know as escrow waiver fees, charged by the lenders.



Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,070. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $6,500,000 with closing costs of $70,900. Your actual APR may be different depending upon these factors.