Mortgage Loan Types

Mortgage Loan Types

A Variety of Home Loans for All Kinds of Homebuyers

There are so many home financing options available, including VA and USDA mortgage loans, FHA home loans, 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.


Quick Closings Icon


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.

Mortgage Loans

For those who qualify; The Federal Housing Administration (FHA) Program is designed to promote home ownership.

Mortgage Loans

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

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. Intangible tax applies to FHA and USDA 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.*

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