About Atlantic home lending
Atlantic Home Lending: Your Trusted Partner for All Your Mortgage Needs
Atlantic Home Lending is a leading mortgage company that has been serving the needs of homebuyers and homeowners in Staunton, Waynesboro, Fishersville, and throughout Central Virginia for many years. We are committed to providing our clients with the best possible mortgage solutions that meet their unique needs and financial goals.
At Atlantic Home Lending, we understand that buying a home is one of the most significant investments you will ever make. That's why we offer a wide range of mortgage products and services designed to help you achieve your dream of homeownership. Whether you're a first-time homebuyer or an experienced homeowner looking to refinance your existing mortgage, we have the expertise and resources to help you every step of the way.
Our team of experienced loan officers is dedicated to providing personalized service and expert guidance throughout the entire mortgage process. We take pride in our ability to listen carefully to our clients' needs and concerns, answer their questions promptly, and provide them with clear explanations about their options.
We offer a variety of loan programs tailored to meet your specific needs:
Conventional Loans: These loans are ideal for borrowers who have good credit scores (typically 620 or higher) and can afford a down payment of at least 3%. Conventional loans come with fixed or adjustable interest rates.
FHA Loans: These loans are backed by the Federal Housing Administration (FHA) and require lower down payments (as low as 3.5%) than conventional loans. FHA loans are ideal for first-time homebuyers who may not have perfect credit scores.
VA Loans: These loans are available exclusively to veterans, active-duty military personnel, reservists/national guard members, surviving spouses/dependents of veterans who died from service-related injuries/illnesses. VA loans require no down payment or private mortgage insurance (PMI).
USDA Loans: These loans are backed by the US Department of Agriculture (USDA) and are designed to help low-to-moderate-income borrowers in rural areas buy homes. USDA loans require no down payment.
Jumbo Loans: These loans are ideal for borrowers who need to borrow more than the conforming loan limit ($548,250 in 2021). Jumbo loans come with higher interest rates and stricter underwriting requirements.
At Atlantic Home Lending, we also offer a variety of refinancing options that can help you lower your monthly mortgage payments, reduce your interest rate, or shorten your loan term. Our refinancing options include:
Rate-and-Term Refinancing: This type of refinancing allows you to change your interest rate or loan term without taking cash out.
Cash-Out Refinancing: This type of refinancing allows you to tap into your home's equity and receive cash at closing.
FHA Streamline Refinancing: This type of refinancing is available exclusively to FHA borrowers and requires minimal documentation. It allows you to refinance without an appraisal or income verification.
VA Interest Rate Reduction Refinance Loan (IRRRL): This type of refinancing is available exclusively to VA borrowers and allows them to refinance their existing VA loan with minimal documentation.
At Atlantic Home Lending, we pride ourselves on our commitment to providing our clients with exceptional service and expert guidance throughout the entire mortgage process. We understand that buying a home can be stressful, which is why we strive to make the process as smooth and stress-free as possible for our clients. Whether you're a first-time homebuyer or an experienced homeowner looking for a better mortgage solution, we're here to help you every step of the way. Contact us today!
acsva.com
