Know Your Mortgage Options | Amy Gomez
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Mortgage Loan Options

Mortgage Loan Options


Empowering People More. Budgeting for your home is so important. As no two people are alike, Equity Prime Mortgage offers a variety of government, conventional and niche loan programs to meet your specific needs. Click on the links below to learn more about our mortgage products.

DOWNLOAD our guide: How Much Home Can You Afford 

Purchasing a Home? 

Conventional Loans

  • Equity Prime Mortgage is a Fannie Mae direct seller/servicer. Conventional loans are available to borrower that meet guidelines set by Fannie Mae & FreddieMac. Fixed and adjustable rate mortgages are available under this product for the following purposes
    • Purchase Loans up to 97% Loan to value
    • Rate & Term refinance loans up to 97% Loan to value
    • Cash out loan up to 80% Loan to value
    • Investment properties up to 80% loan to value
    • Homestyle renovation available as well

It is time to take the next step. Your dreams are just a click away.Apply Today!

VA Loans

  • Equity Prime is a nationwide lender on VA Loans. If you are Veteran, Reservist or Active duty you can qualify for a VA loan. Listed below are the VA loan programs
    • Purchase loans up to 100% loan to value
    • Cash out loans up to 100% Loan to value
    • VA IRRRL – Non income qualifying refinance
    • VA High Balance loan up to $1 Million

 FHA Loans

  • FHA loans are designed for low to moderate income borrowers with flexible underwriting requirements. Listed below are FHA loan programs
    • Purchase loans up to 96.50% Loan to value
    • Gift funds allowed for down payment
    • 203K Rehabilitation Loans
    • FHA Streamline Refinance (non- income qualifying)
    • FHA High balance loan up to $729,750.00

USDA Rural Home Loans

  • 100% Financing Loan can be based on Appraised Value vs. Sales Price
  • Closing costs can be financed into the loan
  • 580 minimum FICO score

First-Time Home Buyer Loans

Down Payment Assistance

  • Georgia Dream provides $5,000 down payment assistance, with a minimum contribution of $1,000
  • Protectors, Educators, & Nurses this is a program administered through Georgia Dream that provides up to $7500 in down payment assistance
  • Gwinnett County Homestretch provides up to $7500 in down payment assistance
  • Neighborhood Stabilization Program (NSP) is County and State specific
  • All downpayment covered

Jumbo Mortgages

  • We offer Jumbo loans of up to $3,000,000 with competitive rates
  • We offer FHA Jumbo loans in High Cost areas with a down payment of just 3.5%
  • Super conforming loans- above GSE limit in designated areas


Home Equity & Renovation loans 203(K)

  • We offer stand alone 2nd mortgages for home improvements or in connection with a first mortgage to purchase a home.

Reverse Mortgages

  • For borrowers 62 years old – can be used for purchase or refinance
  • Funds can be received in a lump sum, set monthly amount or a combination of both
  • No income or credit check

Alternate Lending Products

  • Bank Statement Loans - lending based on bank deposits, ideal for contractors or business owners.
  • Blemished Credit
  • Professional Real Estate Investor Loans
  • Assets as income 
  • Foreign National Loans
  • Non-warrantable Condo

If you are looking for a lower payment or lower interest rate, Equity Prime Mortgage has many mortgage options available!

Refinancing Options

  • Conventional - Lower your payment or pull cash out for home improvements
  • FHA Streamline - Allows you to refinance your current FHA loan with no income documentation
  • DU Refi Plus /Freddie Mac Relief - Refinance your current Fannie Mae or Freddie Mac loan with no appraisal
  • FHA Jumbo - Refinance your high mortgage balances in high cost areas.
  • VA Interest Rate Reduction Loan - Refinance your current VA loan with no income documentation