Georgia Mortgage Inc

Georgia Mortgage is a value added lender
We have mortgages to fit your every need

Commercial Real Estate Loans
$100k to $3 Million

Program Features
·Long term fixed rate financing
·Flexible fixed rate terms - 10, 15, 20, and 25 Yr term
·Streamlined underwriting
·Low Legal Expenses
·Quicker, easier, and less expensive closings
··Credit Impaired
·LTV to 90% (with strong compensating factors)
·LIV and Stated Income (65% Max LTV, Rates Score Driven)

Term	Rate	Term	Rate
3yr	5.21	7yr	6.47
3/15	5.68	7/15	7.21
3/20	5.70	7/20	7.31
5yr	5.87	10yr	7.09
5/15	6.43	15/15	7.66
5/20	6.48	5/25	6.50

Eligible Property Types
Multi-Family (5+ Units), Retail, Industrial, Office, Moble Home Parks, Self Storage Facilities, Hotel/Motel, Senior Care, Mixed Use, Shopping Centers, Office Condos

Apartment Loans
$100k to $2 Million

Program Features
·5 Units and up
·Mixed Use (add 1/2% top rates at right)
·Purchase 80% Loan to Value
·Seller Financing allowed
·Refinance-Rate and Term to 80% / Cash out to 75%
·Dept Service Coverage around 1.20
·Low Appraisal Fees
·Low Overall Lender and underwriting cost
·Environmental typically not required
·Inspection not required in most cases
·No Pre-payment penalty if property is sold

Caps 2/5 25-30 Yr Amoritization
Term			Rate
1/1 ARM			5.50
3/1 ARM			6.50
5/1 ARM			6.90
7/1 ARM			7.00
10/1 ARM			7.10
15 Year Fixed Full Amoritized
7.25

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Call today for a no-obligation analysis of your mortgage needs. Georgia Mortgage offers plenty of options, a common sense approach, and prompt courteous service.

Rates as of May 5, 2008