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.
Special Credit Union pricing for PMI
Low Closing Costs
No Georgia Intangible Taxes**
Affordable First Mortgage Loans
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 reduced closing costs. All Affordable First Mortgages feature no appraisal, credit report, or underwriting fees as well as down payment assistance programs*, competitive rates and special credit union pricing for PMI along with a money-saving ½% Origination fee.
Fixed Rate Mortgage Loans
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 Mortgage Loans
The low rate is fixed for the first portion of the loan term, and then becomes adjustable annually.
VA Mortgage Loans
For those who qualify; our VA Mortgages feature competitive rates and no down payments.
FHA Mortgage Loans
The Federal Housing Administration (FHA) Program is designed to promote home ownership.
USDA Mortgage Loans
For those who qualify; USDA Mortgage Loans provide up to 100% financing in rural areas.
Finance up to 90% of appraised value at an adjustable 9-month rate. (Terms and conditions apply)
Fixed rate mortgage options for land purchases.
*First-time homebuyer product is a product of the Federal Home Loan Bank of Atlanta. Household income restrictions and other requirements apply. Please see Federal Home Loan Bank of Atlanta’s Affordable Housing Program Implementation Plan at www.fhlbatl.com for complete product requirements.
**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.
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.
Hartley Bridge Branch
Deborah B. Chance
New: Mortgage and Home Buying Process Videos
Purchasing a home can be very exciting and very nerve-racking. But we want to make sure you have the best experience possible. That is why we came up with a series of videos that covers the home buying process from start to finish. Click on any of the thumbnails below and when you are ready to begin your journey, we are here to help!
First time Home Buying:
In this video we discuss the three stages of buying a home. Preparing and finding a house, applying for a mortgage loan, and closing on your mortgage loan.
Applying for a mortgage:
In this video we will discuss the application process, various mortgage loan options, what you'll need in order to apply, and how the approval process works.
Understanding your home loan:
As your guide through the mortgage loan process, Robins Financial wants to make sure you have a clear understanding of the key parts of your mortgage loan. In this video, we’ll break down the various upfront and ongoing costs involved in buying a home.
What to expect at closing:
At last it’s time to close! But what can you expect at closing? What do you need to do? Where will it be at? What exactly happens? We've got all the answers you need in this video to help you understand this final, yet most important step, to getting your dream home.