Mortgage Loan Types

Mortgage Loan Types

A Variety of Home Loans for All Kinds of Homebuyers

We offer many home financing options, including VA and programs for first time home buyers. Robins Financial can help you finance your home purchase anywhere in Georgia online, by phone, or in one of our convenient branch locations.

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 home ownership. We have tools, like mortgage calculators, along with other information and expertise to help you with the decisions you need to make along the way.


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Special Credit Union pricing for PMI Icon

Special Credit Union
pricing for PMI

Competitive Rates Icon


Low Closing Costs Icon

Closing Costs

No Georgia Intangible Taxes Icon

No Georgia
Intangible Taxes**

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Mortgage Loans We Offer

We offer a variety of mortgage loan types to fit your unique needs. As your trusted financial partner, we're here to help you choose which loan works best for you.

Affordable First
Mortgage Loans

Our special loan program for First Time Home Buyers.

Fixed Rate
Mortgage Loans

The interest rate remains the same over the life of the loan.

Adjustable Rate
Mortgage Loans

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

Mortgage Loans

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

Investment Property
Mortgage Loans

For those who are looking to purchase or refinance a rental home investment property.


Finance up to 90% of appraised value at an adjustable 9-month rate.

Lot and Land

Fixed rate loan options for land purchases.


Apply for a Mortgage

Existing Applicants

*Unique Mortgage Application User ID, separate from Digital Banking Credentials
must be created

Start your home mortgage process today by applying online, by phone, or make an appointment with one of our Mortgage Specialists to get the process started.


*Intangible taxes are exempt only on Conventional and VA loans. **Some exclusions apply; ask for details. ***Down payment assistance program for First Time Homebuyer Loan is a product of the Federal Home Loan Bank of Atlanta. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program implementation Plan at for complete product requirements. Federally insured by NCUA. Terms and conditions apply; subject to credit approval. Contact the credit union for membership details.*

Home Mortgage Disclosure Act Notice: The HMDA data about our residential mortgage lending is 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 or HMDA data can be viewed on the Consumer Financial Protection Bureau’s website at

*Unique Mortgage Application User ID, separate from Digital Banking Credentials must be created