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) 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 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.
502 South Houston Lake Road
478-923-3773, Ext. 3460
800-241-2405, Ext. 3460
Deborah B. Chance
803 Watson Boulevard
478-923-3773, Ext. 2263
800-241-2405, Ext. 2263
5999 Zebulon Road
478-923-3773, Ext. 4422
800-241-2405, Ext. 4422
4850 Russell Parkway
478-923-3773, Ext. 2271
800-241-2405, Ext. 2271
4850 Russell Parkway
478-923-3773, Ext. 2262
800-241-2405, Ext. 2262
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.
*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.