Welcome
This time we want to make it simple.
THIS TIME YOU CHOOSE.
This website is designed to give you answers to may of the questions we are sure you have.
Should I have a fixed or variable rate?
Should I make a down payment?
Should I pay points?
Can I get into a house without a down payment?
Will I need Mortgage Insurance?
Should I choose Government or Conventional financing?
This website should answer most of your questions but if not we are always available to answer your questions by phone at 678-234-0545.
YOU CHOOSE
DISCOUNT POINTS
There is a lot of debate as to whether you should pay discount points. It all depends on the length of time you plan to live in your home and the cost of the points. We have compiled a detailed description and would encourage you to take a few minutes to read what the experts say. You can always call us at 678-234-0545 today to talk with one of our Mortgage Loan Consultants.
DOWNPAYMENT
Many buyers think that they should make a down payment on a home but there are advantages and disadvantages of putting money down to buy a home. Do you know that Total Choice Mortgage had many ways to buy a home without putting any money down. Take a look at the information here on our site or call today to find out how we could help you buy a home with no money down.
MORTGAGE INSURANCE
Nobody wants to have mortgage insurance or PMI. But the truth is sometimes you do not have a choice. Call one of our trained mortgage experts today to discus mortgage insurance or PMI and how it will impact you. Did you no that we still offer loans to 95% with No mortgage insurance!
CONVENTIONAL AND GOVERNMENT
Which is best for you a Government Loan or a Conventional Loan? Call one of our mortgage loan consultants today to inquire about Government, FHA or VA loans or about our conventional loans. Make sure you ask if you qualify for a USDA Rural Development loan. 100% financing – Zero Money Down – No Mortgage Insurance.
GRANTS
Many local counties are offering grants or community second mortgages eliminating the need for a down payment. Call today to talk with one of our knowledgeable councilors about what down payment options and grants are offered in your area.