We are Mortgage Brokers in Alpharetta, Georgia

Buying a home in Alpharetta, Georgia can sometimes feel like a complex process, filled with intricate terms, interest rates, and paperwork. Understanding the ins and outs of the mortgage process may be intimidating, and mistakes can result in costly missteps.

If you are looking for a great mortgage broker in Alpharetta, GA, you have found the right partner in Andes Mortgage LLC. Our team of experienced loan officers will guide you through the process and help you find the best mortgage solution for your needs.

At Andes Mortgage LLC, we understand that every client is unique, with different financial situations and goals. That’s why we offer a variety of loan options to fit your specific needs, including conventional loans, FHA loans, VA loans, Non-QM loans, refinances, home equity lines of credits and commercial loans. Additionally, our extensive network of over 40 different lenders allows us to find the best rates and terms for you.

But our services don’t stop at just finding the right loan. We also pride ourselves on providing exceptional customer service, making sure all of your questions are answered and all of your concerns are addressed throughout the process. Our goal is to make your mortgage experience as smooth and stress-free as possible.

Give us a call at 770-740-4050 or apply online today and see for yourself why Andes Mortgage LLC is the top choice for home buyers in Alpharetta, Georgia. Let us help you make your dream of homeownership a reality.

Today's Interest Rates in Alpharetta, Georgia (Updated on July 12, 2024)

Product Interest rate APR
30-year fixed-rate 6.243% 6.321%
20-year fixed-rate 6.35% 6.428%
15-year fixed-rate 5.756% 5.891%
10-year fixed-rate - -
5-year ARM 6.344% 7.481%
7-year ARM - -
30-year fixed-rate VA 5.875% 6.058%
30-year fixed-rate FHA - -
15-year fixed-rate FHA - -

Alpharetta, Georgia Mortgage Loans

At Andes Mortgage LLC, we specialize in offering a diverse range of mortgage services designed to meet the unique needs of every homebuyer in Brookhaven, Georgia.

First-Time Homebuyer Mortgages

We provide clear guidance and supportive services tailored to first-time homebuyers, helping you navigate the exciting journey of purchasing your very first home.

Key benefits:

  • Down payment assistance programs
  • Home buyer grants and credits for Alpharetta, Georgia residents
  • Down payments as low as 3%
  • Lower private mortgage insurance requirements 

Conventional Loans

We offer both fixed-rate and adjustable-rate mortgages with varying terms, enabling you to select an option that aligns perfectly with your financial situation and long-term homeownership goals.

Key benefits: 

  • 3% down payment minimum for first time homebuyers
  • 5% down payment minimum for repeat buyers
  • You’ll want to have strong credit scores and a lower debt-to-income ratio

FHA Loans

Our FHA loans come with low interest rates and accessible for those with a minimum 580 credit score. This is one of the most popular programs for first-time homebuyers and for those who may lack a pristine credit history.

Key benefits: 

  • Minimum 580 credit score
  • 3.5% down payment
  • Up to 57% debt-to-income ratio
  • Ability to combine with down payment assistance up to 5%

Jumbo Loans

For properties that exceed the conforming loan limits, we offer competitive rates on jumbo mortgages, facilitating your journey towards luxury home ownership.

Key benefits: 

  • Loan amounts up to $4,000,000
  • Minimum 10% down payment available without PMI 
  • Non-QM Jumbo available for those with complex financial situations and credit events

Non-QM Loans

For self-employed borrowers who have a need for creative financing and do not qualify for regular conventional or government loans. 

Key benefits: 

  • Qualify by using alternative income documentation such as bank statements, 1099s or  Profit & Loss statements
  • For self-employed borrowers only 
  • Minimum 10% down payment 
  • Credit scores as low as 580

Investment Property Loans

Aspiring to build wealth through real estate investment in Alpharetta, Georgia? We provide mortgage solutions for rental properties such as our popular DSCR loans and fix-and-flip loans for homes in need of renovation.

Key benefits: 

  • Close in an LLC 
  • No personal income documentation required
  • Up to 80% Loan to Value 

Refinance Loans

If you’re looking to lower your interest rate, reduce your term, or tap into your home’s equity, our expert team can guide you through the refinancing process.

Key benefits: 

  • Cash out refinance for any purpose that you desire 
  • Lower your interest rate and/or term 
  • 10 year loans available

Home Equity Lines of Credit and Home Equity Loans

Tap into your equity without having to refinance your current first mortgage with our second mortgage products.

Key benefits: 

  • Up to 89.9% Loan to Vaue
  • 10 year draw and 30 year repayment HELOCs 
  • 680 minimum credit scores

Ready to start browsing for homes in Alpharetta, Georgia?