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We provide specialized VA loan solutions for veterans and active-duty service members.
Investment property financing with flexible terms and competitive.
We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you. The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the Atlanta mortgage process.
A renovation mortgage combines the costs of purchasing or refinancing a home with the funds needed for repairs or upgrades, making it easier to transform a property into your dream home.
Atlanta mortgages and home loans offer flexible, alternative financing options for borrowers who may not qualify for traditional lending, helping them secure their dream property with personalized terms.
Construction and commercial loans in Georgia provide tailored financing solutions for purchasing, developing, or refinancing multi-family properties, office buildings, retail spaces, and other income-generating properties.
Conventional mortgages are versatile home loan options not backed by the government, offering competitive rates and flexible terms for borrowers with strong credit and stable financial profiles.
Georgia FHA loans, insured by the Federal Housing Administration, are designed to make homeownership accessible with low down payment requirements and flexible credit qualifications, ideal for first-time homebuyers.
If you are a homeowners aged 62 and older, you can convert your home equity into tax-free cash while retaining ownership and living in your home, providing financial flexibility during retirement.
Our reverse mortgages offer competitive rates, ensuring you maximize your home equity while enjoying financial flexibility and peace of mind during retirement.
Reverse mortgages typically do not have prepayment fees, allowing borrowers to pay off the loan early without penalties.
Qualify easily! Just be a homeowner who is at least 62 years old, live in the home as your primary residence, and have sufficient equity.
While reverse mortgages provide tax-free cash flow by leveraging your home's value, home refinancing allows homeowners to replace their existing mortgage with a new one to lower payments or access equity.
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Use our Mortgage Payment Calculator to estimate your monthly mortgage payment. You can input a different home price, down payment, loan term and interest rate to see how your monthly payment changes.
Your pre-qualification request is just the first step in the home loan process, so you need to keep all of your other paperwork together and available for when you're ready to buy.
If you get pre-qualified, we will use your information to find the loan amount that works well for your situation. We work hard to make it easy on you for when you're ready to buy.
Most people find that mortgage financing is complicated and confusing. We help you buy your dream home by simplifying the mortgage.
“Stone Oak Mortgage helped my wife and I refinance our house and purchase an investment property. Anyone could have done that but what I really liked about Chris is that he was extremely ethical. He really listened to our concerns”
“The team at Stone Oak Mortgage made the mortgage process smooth and stress-free! They guided us every step of the way and found the perfect loan for our needs. Highly recommend their personalized service and expertise!”
“We couldn't be happier with the service we received from Stone Oak Mortgage. Chris and his team were knowledgeable, responsive, and truly cared about finding the best mortgage solution for us. They made a complex process feel easy and seamless!”
Yes, you can refinance your mortgage to lower your interest rate, reduce monthly payments, shorten your loan term, or access home equity. It's a good idea to refinance when market rates are lower than your current rate, your credit score has improved, or you need funds for major expenses like home renovations or debt consolidation.
A fixed-rate mortgage has an interest rate that remains constant throughout the life of the loan, providing predictable monthly payments. An adjustable-rate mortgage (ARM), on the other hand, starts with a lower fixed interest rate for an initial period, after which the rate adjusts periodically based on market conditions, causing your payments to potentially increase or decrease over time.
A conventional loan is not backed by the government and typically requires a higher credit score and a larger down payment, but it offers more flexibility in terms of property types and loan limits. A Georgia FHA loan, insured by the Federal Housing Administration, is designed for borrowers with lower credit scores or smaller down payments, making it a popular option for first-time homebuyers.
Yes, you can pay off your mortgage early, but whether there are penalties depends on your loan terms. Some mortgages include prepayment penalties, so it's important to review your agreement or consult your lender to confirm any potential fees.
Private mortgage insurance (PMI) is a type of insurance that protects the lender if you default on your loan. It is typically required for conventional loans when your down payment is less than 20% of the home’s purchase price.
Most people find that mortgage financing is complicated and confusing. We help simplify the mortgage financing process and find you personalized loan options that save you time and money.
With a rich history spanning decades, Stone Oak Mortgage has become a symbol of excellence in the Atlanta mortgage services community. Let us help you realize your financing goals today!
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