Adjustable-Rate Mortgage

A flexible home loan that keeps pace with an evolving market with a lower initial interest rate.

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Not your parents' ARM

Lock in a low starting rate

ARMs typically charge less interest during the introductory period, with a lower initial monthly payment.

Boost your local expertise

Our mortgage specialists have years of experience in the local mortgage business.

Fit your mortgage to your needs

Explore our 10/1, 5/5, and 7/1 ARM options and find the best choice for your budget.


Four steps to find your way home.

  1. Secure your possibilities by going through our pre-qualification process. You want to embark on the search for your dream home prepared.
  2. The search begins! Set your sights on the perfect home that your loan from Georgia’s Own will cover.
  3. Get your foot in the door and make an offer. Pre-qualification will help you move quickly so you can lock in a deal.
  4. Close on the home of your dreams and start to settle in. With our help, the journey from the idea of a home to sitting on your living room couch will not only have been positive—it’ll be easy.

Mortgage FAQs

You can get started with a pre-qualification process before you begin your search. You’ll know exactly what to expect, the type of monthly payment you’ll have, and the funds you’ll need to close. We know the last thing you need is to find the perfect home and fall in love, only to learn it’s not in your budget.

We use a simple formula to determine your maximum mortgage payment. It adds up to this: your monthly income multiplied by 0.45, minus your liabilities. The resulting number is the highest mortgage payment you may be approved for. From there, you can adjust your search to find the perfect home within your reach.

Figuring out how much home you can afford is a key step in the home-buying process. Start by weighing how much money you have coming in, including your monthly income and any other streams of income (pensions, rental income, investments, etc.), versus how much you have going out to cover costs like student loans, credit card balances, and car payments. Other factors come into play, like how much money you are putting down on the home, property taxes, homeowner’s insurance, and HOA fees that may be associated with the home.

Below is a glossary of terms to help you understand how your home affordability if determined.

  • Debt ratio – This is determined by dividing your monthly debts versus your monthly income. Depending on the mortgage product, your debt ratio can usually not exceed 45-50%.
  • Loan-to-value – The amount of mortgage you are financing versus the appraised value of the home. The higher your down payment, the lower your loan-to-value.
  • PMI – Private mortgage insurance (PMI) is a type of mortgage insurance you are required to buy if you take out a conventional loan with a down payment of less than 20% of the purchase price.

Our Mortgage Specialists are here to help! You can reach out to any of our local professionals for assistance directly via the phone numbers and email addresses provided on our website.

At Georgia's Own, we set you up with the right loan to get you the right home.


Fixed-Rate Mortgage

A fixed-rate mortgage offers a stable interest rate for people looking to settle on the right home and stay there awhile.


Construction Loans

Custom home? Custom loan. Use a construction loan for the building process, from land purchase to completion. Then convert to a fixed-rate mortgage in one streamlined process.


FHA and VA Loans

FHA and VA loans are government-backed mortgage loans that make it easier for veterans, servicemembers, and first-time homeowners to buy a house.


Learning Center

Go beyond banking with resources and news to learn how to make informed financial decisions.


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Rates are estimates for purchase transactions only, not refinances. Actual rates may vary depending on your individual credit history and other qualifying factors. Rates, terms, and fees subject to change without notice. Subject to credit approval.

Loan Assumptions and Disclosures

These sample rates are published weekdays at 10:00am EST.

The information provided is general and assumes only the following scenario:

Purpose of the loan: Purchase a property.

Property location: Atlanta, GA 30303

Property Type: Existing single-family home

Property Use: Primary residence

Estimated property value: $200,000

Estimated down-payment: $40,000

Loan amount: $160,000 (80% Loan to Value)

Credit Score: 740

Escrow (impound) account is required.

Rate lock period is 45 days.

Fees: $3,000 to estimate closing costs in order to approximate an APR.