Mortgage Loans

Finding the right home is the most important part of buying a house. Finding the right mortgage is just as important to set a solid foundation for successful homeownership. We have the mortgage tools, information and expertise to help you with the decisions you need to make along the way. Be sure to check out our Mortgage Video Series that covers the home buying process from start to finish. Learn more about the mortgage loans we offer including: Affordable First, Fixed Rate Mortgages, Adjustable Rate Mortgages, VA Mortgages, FHA Mortgages, USDA Loans, Construction Loans and Land Loans. Start your home mortgage process today by applying online, by phone, or visit any of our branch locations to speak with our knowledgeable mortgage specialists.

  • Quick Closings
  • Competitive Rates
  • Special Credit Union pricing for PMI
  • Low Closing Costs
  • No Georgia Intangible Taxes*
  • 0.75% Origination**

A Variety of Programs to Help with All Kinds of Homebuyers

Affordable First - Our First Time Home Buyer's Program allows you to finance up to 97% of the home's appraised value or purchase price (whichever is less) with waived fees and reduced closing costs. All Affordable First Mortgages feature a money-saving 1/2% Origination fee.

Fixed Rate Mortgages - Fixed Rate Mortgages allow you to finance up to 95% of the home's appraised value or purchase price (whichever is less) with terms up to 30 years.

Adjustable Rate Mortgages - The low rate is fixed for the first portion of the loan term, and then becomes adjustable annually.

VA Mortgages - For those who qualify; our VA Mortgages feature competitive rates and no down payments.

FHA Mortgages - The Federal Housing Administration (FHA) Program is designed to promote home ownership.

USDA Loans – For those who qualify; USDA Mortgage Loans provide up to 100% financing in rural areas.

Construction Loans - Finance up to 90% of appraised value at an adjustable 9-month rate. (Terms and conditions apply)

Land Loans - 5-year fixed, Balloon Mortgage options for land purchases. All of our Land Loans feature low down payments.

Use our free home buying calculator to determine a payment you can afford, or apply for a mortgage loan today with our online application. Our mortgage checklist will ensure you have everything you need to start the application process.

Don’t Go It Alone – Contact One of Our Home Buying Experts

Buying or refinancing your home can be a complex process. Our skilled Mortgage Account Executives are at your neighborhood Robins Financial branch, ready to listen and provide answers to your mortgage questions. We provide personalized service and can help make sure your mortgage process goes smoothly.

Contact one of our experts today.

Chantilly Branch

Angela Fellinger
Chantilly Branch
478-923-3773, Ext. 3460
800-241-2405, Ext. 3460
NMLS #583513

Milledgeville Branch

Erin Villanueva
Milledgeville Branch
478-923-3773, Ext. 3921
800-241-2405, Ext. 3921
NMLS #1540291

Online Applications

Debbie Pope
Watson Branch
478-923-3773, Ext. 2274
800-241-2405, Ext. 2274
NMLS #583510

Perry Branch

Deborah B. Chance
Perry Branch
478-923-3773, Ext. 3509
800-241-2405, Ext. 3509
NMLS #583505

Watson Branch

Letty Felcan
Watson Branch
478-923-3773, Ext. 2271
800-241-2405, Ext. 2271
NMLS #996959

Tonya Acree
Watson Branch
478-923-3773, Ext. 2276
800-241-2405, Ext. 2276
NMLS #583512

Zebulon Branch

Jason Atkinson
Zebulon Branch
478-923-3773, Ext. 4422
800-241-2405, Ext. 4422
NMLS #195374

*Intangible taxes are exempt only on conventional loans.

**Some exclusions apply. Ask for details.

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending are available for review. The data show geographic distribution of loans and applications: ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data, send a written request to P.O. Box 6849, Warner Robins, GA 31095-6849.