Loan Options
Whether you're buying your first home, refinancing, or investing in commercial property, we have a loan solution tailored to your goals — across FL, GA, SC & NC.
Finding the Right Loan Starts Here
Every borrower's situation is unique. That's why Motto Mortgage Community Solutions offers a wide range of loan options — from government-backed programs for first-time buyers to flexible solutions for seasoned investors.
Our job is to listen, understand your goals, and match you with the loan that makes the most sense for your financial picture. No pressure, no jargon — just clear, honest guidance.
Home Purchase Loans
Ready to buy? We offer a full suite of purchase loan programs for primary residences, second homes, and investment properties. Whether you're a first-time buyer or upgrading to your dream home, we'll find the right fit.
- Conventional loans with down payments as low as 3%
- FHA loans for buyers with lower credit scores
- VA loans with zero down for eligible veterans
- Jumbo loans for higher-priced properties
- Close in as little as 15 business days
Refinance Loans
Already own a home? Refinancing can reduce your monthly payment, shorten your loan term, or give you access to cash from your home's equity for renovations, debt consolidation, or other goals.
- Rate & term refinances to lower your payment
- Cash-out refinances to tap your equity
- FHA Streamline & VA IRRRL options
- Home Equity Line of Credit (HELOC) — Georgia
- Fast closings — as little as 15 business days
Commercial & Investment Loans
From single-family rentals to small commercial properties, we offer financing solutions for investors at every stage. Our team understands the unique needs of real estate investors and will help you structure the right deal.
- Single-family & multi-unit investment properties
- Small commercial property financing
- Competitive rates for qualified investors
- Fixed & adjustable rate options
- Available in FL, GA, SC & NC
A Note on Rates
Mortgage rates change daily based on market conditions, your credit profile, loan type, and down payment. The best way to know your actual rate is to get pre-qualified. It's free, fast, and puts you in the best position when you're ready to make an offer.
Learn about Pre-Qual vs. Pre-ApprovalReady to Explore Your Options?
Schedule a free Zoom consultation or reach out directly. We'll walk you through every option with no obligation.