Know Your Mortgage Options | Equity Prime Mortgage

Mortgage Loan Options


Budgeting for your home is so important. As no two people are alike, Equity Prime Mortgage offers a variety of government, conventional and niche loan programs to meet your specific needs. Click on the links below to learn more about our mortgage products.

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Purchasing a Home? Equity Prime has a product for you!

Conventional Loans

  • Equity Prime Mortgage is a Fannie Mae direct seller/servicer. Conventional loans are available to borrower that meet guidelines set by Fannie Mae & FreddieMac. Fixed and adjustable rate mortgages are available under this product for the following purposes
    • Purchase Loans up to 95% Loan to value
    • Rate & Term refinance loans up to 90% Loan to value
    • Cash out loan up to 80% Loan to value
    • Investment properties up to 75% loan to value

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VA Loans

  • Equity Prime is direct lender on VA Loans. If you are Veteran, Reservist or Active duty you can qualify for a VA loan. Listed below are the VA loan programs
    • Purchase loans up to 100% loan to value
    • Cash out loans up to 100% Loan to value
    • VA IRRRL – Non income qualifying refinance
    • VA High Balance loan up to $625,500.00

 FHA Loans

  • Equity Prime Mortgage is a FHA full Eagle Lender. This allows us to underwrite government loans in house. It is designed for low to moderate income borrowers with flexible underwriting requirements. Listed below are FHA loan programs
    • Purchase loans up to 96.50% Loan to value
    • 620 Min score requirement
    • Gift funds allowed for down payment
    • Seller can pay closing costs
    • 203K Rehabilitation Loans
    • FHA Streamline Refinance (non- income qualifying)
    • FHA High balance loan up to $729,750.00


USDA Rural Home Loans

  • 100% Financing Loan can be based on Appraised Value vs. Sales Price
  • Closing costs can be rolled into the loan

First-Time Home Buyer Loans

  • 97% Conventional loans
  • Fannie Mae HomePath – 3% down payment with no appraisal and no mortgage insurance

Down Payment Assistance

  • Georgia Dream provides $5,000 down payment assistance, with a minimum contribution of $1,000
  • Fannie Mae HomePath – 3% down payment with no appraisal and no mortgage insurance
  • Protectors, Educators, & Nurses this is a program administered through Georgia Dream that provides up to $7500 in down payment assistance
  • Gwinnett County Homestretch provides up to $7500 in down payment assistance
  • Neighborhood Stabilization Program (NSP) is County and State specific

Jumbo Mortgages

  • We offer Jumbo loans of up to $5,000,000 with competitive rates
  • We offer FHA Jumbo loans in High Cost areas with a down payment of just 3.5%
  • Super conforming loans- above GSE limit in designated areas


Home Equity 

  • We offer stand alone 2nd mortgages for home improvements or in connection with a first mortgage to purchase a home.

Reverse Mortgages

  • For borrowers 62 years old – can be used for purchase or refinance
  • Funds can be received in a lump sum, set monthly amount or a combination of both
  • No income or credit check

If you are looking for a lower payment or lower interest rate, Equity Prime Mortgage has many mortgage options available!

Refinancing Options

  • Conventional - Lower your payment or pull cash out for home improvements
  • FHA Streamline - Allows you to refinance your current FHA loan with no income documentation
  • DU Refi Plus /Freddie Mac Relief - Refinance your current Fannie Mae or Freddie Mac loan with no appraisal
  • FHA Jumbo - Refinance your high mortgage balances in high cost areas.
  • VA Interest Rate Reduction Loan - Refinance your current VA loan with no income documentation