Loan Center - TapMoney: Atlanta Mortgages, Home Loans, Commercial Loans

Discover Our Loan Programs

Get an at-a-glance look at some of the loan programs we offer. Please note, this list doesn't reflect everything we offer. For more specific information, you can contact us.

Non-QM: Loans with alternative methods of qualification.

QM: Loans conforming to government critieria.

Home Refinance

When you refinance your mortgage, you replace your current mortgage with a new loan. The new loan might have different terms — moving from a 30-year to a 15-year term or an adjustable rate to a fixed rate, for example — but the most common change is a lower interest rate. Refinancing can allow you to lower your monthly payment, save money on interest over the life of your loan, pay your mortgage off sooner and draw from your home’s equity if you need cash for any purpose.

Mobile Home + Lot Loans

With home prices still climbing, some are seeking alternatives to traditional housing. One great option that may cost less than a traditional home without compromising much on necessary features is a manufactured home – which you might know as a “mobile home.” Contrary to a conventional home, which might sell for $200,000+, a manufactured or mobile home will typically cost $60,000 – $100,000.

1% & 0% Down Loans

1% and 0% down home loans are great for those who are ready and qualified to be homeowners, even if they have limited cash on hand. You can have a steady income and good credit while still not having enough for the traditional mortgage. That mortgage typically has a 20 percent down payment, which can end up costing you up to tens of thousands of dollars. With 1%-down home loans, the only payment required at closing is the standard closing costs.

Down-Payment Assistance Loans

Down payment assistance comes in the form of grants, loans and other programs. It’s typically reserved for first-time home buyers only. They can be run by a variety of organizations, such as your local or state housing authority, or by a nonprofit. Eligibility is determined by your household income and credit history, varying by state and program. An application is typically needed, and sometimes you’re also required to attend training or home buyer education on the mortgage process and maintaining finances.

Home Equity Line of Credit (HELOC)

Home equity loans and HELOCs use the equity in your home—that is, the difference between your home’s value and your mortgage balance—as collateral. As the loans are secured against the equity value of your home, home equity loans offer extremely competitive interest rates—usually close to those of first mortgages. Compared with unsecured borrowing sources, such as credit cards, you’ll be paying less in financing fees for the same loan amount.

0% Down Loans

Zero-down home loans are great for those who are ready and qualified to be homeowners, even if they have limited cash on hand. You can have a steady income and good credit while still not having enough for the traditional mortgage. That mortgage typically has a 20 percent down payment, which can end up costing you up to tens of thousands of dollars. With zero-down home loans, the only payment required at closing is the standard closing costs.

FHA Refinance

You may want to refinance your FHA loan to decrease your interest rate, change to a shorter mortgage term or take on a costly project like a major home renovation. If you're looking to save money, lowering your mortgage rate will typically bring down your monthly FHA loan payments and reduce the total interest paid over the life of the loan.

Cash Out Refinance

With a cash-out refinance, you're getting a new home loan for more than you currently owe on your house. The difference between that new mortgage amount and the balance on your previous mortgage goes to you at closing in cash, which you can spend on home improvements, debt consolidation or other financial needs.

Asset Depletion Loans

An asset depletion mortgage is a mortgage that bases a borrower’s eligibility on the value of their eligible assets instead of their employment income. Lenders add up the value of all of a borrower’s qualifying assets and divide it by a number of months, commonly 240 or 360, to get a hypothetical cash annuity stream.

Foreign National Loans

If you are a citizen from another nation, you can still have the opportunity to get a mortgage loan to buy a property in the United States. A mortgage loan to a non-resident person in the U.S.A. is called a Foreign National Mortgage loan. A foreign national who is not a resident of the United States will in many cases seek to own real estate. Financing real estate is generally done by US mortgage companies and banks to United States citizens. The property can become a second or vacation home while staying in America. It could also be an investment property.

Construction Loans

Construction loans are usually taken out by builders or a homebuyer custom-building their own home. They are short-term loans, usually for a period of only one year. After construction of the house is complete, the borrower can either refinance the construction loan into a permanent mortgage or obtain a new loan to pay off the construction loan (sometimes called the “end loan”)

Cash Flow Only Investment Loans

This loan product allows cash flow on a property to be used to qualify for a mortgage loan. No tax returns or employment information is required. This innovative program can help property investors build a portfolio of income generating properties.

Jumbo Loans

A jumbo loan is a mortgage used to finance properties that are too expensive for a conventional conforming loan. The maximum amount for a conforming loan is $647,200 in most counties, as determined by the Federal Housing Finance Agency (FHFA). Homes that exceed the local conforming loan limit require a jumbo loan.

Commercial Property Loans

A commercial real estate loan is a mortgage secured by a lien on commercial property as opposed to residential property. Commercial real estate (CRE) refers to any income-producing real estate that is used for business purposes; for example, offices, retail, hotels, and apartments.

FHA Loans

A Federal Housing Administration loan is a home mortgage that is insured by the government and issued by a bank or other lender that is approved by the agency. FHA loans require a lower minimum down payment than many conventional loans, and applicants may have lower credit scores than is usually required. The FHA loan is designed to help low- to moderate-income families attain homeownership. They are particularly popular with first-time homebuyers.

Investment Property Loans

An investment property loan is a mortgage for the purchase of an income-producing property. That includes buying properties to generate rental income or to renovate and sell for a profit (more commonly known as house flipping).

USDA Loans

A USDA home loan is a competitively priced mortgage option that helps to make purchasing a home more affordable for low-income individuals living in designated rural areas. The U.S. Department of Agriculture backs USDA loans in the same way the Department of Veterans Affairs backs VA loans for eligible individuals such as veterans and their families

Conventional Loans

A conventional loan is a mortgage loan that's not backed by a government agency. While some government-backed loans provide unique benefits to homebuyers, conventional loans remain far and away the most common type of mortgage.

VA Loans

A VA loan is a mortgage loan available through a program established by the U.S. Department of Veterans Affairs (VA). With VA loans, veterans, service members, and their surviving spouses can purchase homes with little to no down payment and no private mortgage insurance and generally get a competitive interest rate.

Loans for every situation.

Purchase

Refinance

Other

Conventional
Loan Products

Non-QM
Loan Products

Alternative Income Loans

Down-Payment Assistance

Commercial, & Investment

Discover Our Loan Programs

Home Refinance

Mobile Home + Lot Loans

1% & 0% Down Loans

Down-Payment Assistance Loans

Home Equity Line of Credit (HELOC)

0% Down Loans

FHA Refinance

Cash Out Refinance

Asset Depletion Loans

Foreign National Loans

Construction Loans

Cash Flow Only Investment Loans

Jumbo Loans

Commercial Property Loans

FHA Loans

Investment Property Loans

USDA Loans

Conventional Loans

VA Loans

Let's find the right match for you.

Get a free rate quote now.

Let's get started.

Speak to one of our experts today.

Open: Monday-Friday 9-5

Effortless financing
for your home.

PRODUCTS

Learn

CONTACT

COMPANY

Loans for every situation.

Purchase

Refinance

Other

Conventional Loan Products

Non-QMLoan Products

Alternative Income Loans

Down-Payment Assistance

Commercial, & Investment

Discover Our Loan Programs

Home Refinance

Mobile Home + Lot Loans

1% & 0% Down Loans

Down-Payment Assistance Loans

Home Equity Line of Credit (HELOC)

0% Down Loans

FHA Refinance

Cash Out Refinance

Asset Depletion Loans

Foreign National Loans

Construction Loans

Cash Flow Only Investment Loans

Jumbo Loans

Commercial Property Loans

FHA Loans

Investment Property Loans

USDA Loans

Conventional Loans

VA Loans

Let's find the right match for you.

Get a free rate quote now.

Let's get started.

Speak to one of our experts today.

Open: Monday-Friday 9-5

Effortless financing for your home.

PRODUCTS

Learn

CONTACT

COMPANY

Conventional
Loan Products

Non-QM
Loan Products

Effortless financing
for your home.