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 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. 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 make an appointment with one of our Mortgage Specialists found in the tab above to get the process started.

  • 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) 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.

Chantilly Branch

Angela Fellinger
Chantilly Branch
502 South Houston Lake Road
Warner Robins
GA. 31088
478-923-3773, Ext. 3460
800-241-2405, Ext. 3460
NMLS #583513

Watson Branch

Deborah B. Chance
Watson Branch
803 Watson Boulevard
Warner Robins
GA. 31093
478-923-3773, Ext. 2263
800-241-2405, Ext. 2263
NMLS #583505

Zebulon Branch

Jason Atkinson
Zebulon Branch
5999 Zebulon Road
GA. 31210
478-923-3773, Ext. 4422
800-241-2405, Ext. 4422
NMLS #195374

Russell Branch

Letty Felcan
Russell Branch
4850 Russell Parkway
Warner Robins
GA. 31088
478-923-3773, Ext. 2271
800-241-2405, Ext. 2271
NMLS #996959

Wendy Cook
Russell Branch
4850 Russell Parkway
Warner Robins
GA. 31088
478-923-3773, Ext. 2262
800-241-2405, Ext. 2262
NMLS #1439174

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.

Are you interested in learning more financial tips? Subscribe to our YouTube Channel for more helpful information.

*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 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.