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If you have equity in your home, you can apply for a home equity loan at the same time as you refinance. If you anticipate needing some extra cash, either now or down the road, getting a home equity loan – also known as a second mortgage – when you refinance saves you time and money, as well as the stress of going through the financing process twice.
We offer conventional purchase and refinance home loans, as well as VA, FHA, USDA-RD and many state sponsored loan programs. Laws governing the residential mortgage industry are primarily found in Title 7, Chapter 1, Article 13 of the Official Code of Georgia Annotated (O.C.G.A.).