Johnie McIntosh Mortgages and Refinance inc

Johnie McIntosh Mortgages and Refinance inc Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Johnie McIntosh Mortgages and Refinance inc, Mortgage brokers, 2988 Old Summerville Road, Armuchee, GA.

Current Georgia Mortgage And Refinance RatesKeeping a close eye on Georgia’s mortgage landscape, I’ve noticed the averag...
09/10/2026

Current Georgia Mortgage And Refinance Rates
Keeping a close eye on Georgia’s mortgage landscape, I’ve noticed the average 30-year mortgage rate is now at 6.761%, just a touch below the national figure of 6.764%. For those considering a shorter term, the 15-year fixed rate sits at 5.946%, while jumbo 30-year loans are averaging 6.672%. If you’re thinking about refinancing, rates have ticked up recently, making timing and preparation especially important. As your trusted Atlanta mortgage broker, I always remind clients that a strong credit profile and a 20% down payment can play a big role in securing more favorable rates. My goal is to help you navigate these numbers and turn your homeownership dreams into reality.
https://www.roomvu.com/agent-news/john-mcintosh/1940391-Current-Georgia-Mortgage-And-Refinance-Rates

09/09/2026

FHA Loans: How They Work
FHA loans can open doors for buyers who might not have a big down payment or perfect credit—something I often help clients explore as we map out the right financing path. For those with credit scores of 580 and above, a down payment as low as 3.5% is possible, while scores from 500 to 579 typically mean putting down 10%. These loans are designed for primary residences and come with borrowing limits that change depending on your county and property type. Keep in mind, monthly payments don’t just cover principal and interest—they include mortgage insurance, taxes, homeowners insurance, and often escrow. While FHA loans can make homeownership more accessible for many, it’s important to weigh those upfront savings against the total long-term costs. For some, a conventional loan or future refinance might be the better fit after building up equity. My role is to help you make sense of these choices, so you can move forward with confidence.

09/08/2026

Tips To Get The Best Mortgage Rate On Your Home
Finding the best mortgage rate can make all the difference when you're securing your future as a homeowner. I always recommend comparing mortgage offers within a 45-day window—this simple step can help you save significantly over the life of your loan. Keeping up with timely credit payments will also boost your credit profile, opening the door to more attractive rates. If you’re able, aiming for a 20% down payment lets you avoid mortgage insurance altogether. For some, exploring government-backed loans or using discount points can be a smart strategy to secure a lower rate, especially if you plan to stay long term. With the right guidance, you can navigate these options confidently. Making Dreams a Reality is more than a motto—it's my commitment to you as your trusted Atlanta mortgage broker.

09/07/2026

United States: How USDA Loans Work
Curious about how USDA loans could open doors to homeownership in rural and suburban communities? These government-backed mortgages are designed to help qualified buyers—especially those with stable income but limited savings—purchase eligible homes, often with no down payment required. As your trusted Atlanta mortgage broker, I’m committed to guiding you through these options so you can make informed decisions for your future.

Here’s what stands out: USDA loans are accessed through private lenders who carefully review your income, credit, and debts, while the government backs about 90% of the loan. This support allows many buyers to finance the full price of their new home. You’ll find options ranging from lender-guaranteed loans to government-issued direct loans, and even separate repair assistance—all with eligibility based on location, household income, residency status, finances, and owner occupancy.

Keep in mind: while USDA loans can eliminate the need for a down payment, you’ll still be responsible for closing costs, taxes, insurance, and guarantee fees. These loans aren’t for vacation or investment properties—they’re designed for buyers ready to settle into a primary residence in smaller communities or suburbs. If you’re considering this path, start by confirming the property’s location, reviewing the income guidelines, and comparing lender options to find the best fit for your needs. Making dreams a reality starts with the right information and a partner who’s dedicated to your success.

09/06/2026

Happy Labor Day!

Commercial, Multifamily Borrowing Up 16% in Q2 2026Seeing commercial and multifamily lending grow by 16% year-over-year ...
09/05/2026

Commercial, Multifamily Borrowing Up 16% in Q2 2026
Seeing commercial and multifamily lending grow by 16% year-over-year in Q2 2026 is a clear sign of renewed confidence in the lending landscape. Office and retail properties are at the forefront of this momentum, while industrial lending surged 38% just from last quarter. Health care property originations, however, saw a 19% drop. As someone who knows how crucial the right financing can be—especially in a fast-evolving market—I’m committed to helping you understand these trends and how they might shape your own real estate goals. Making Dreams a Reality isn’t just a slogan; it’s the standard I bring to every client looking to secure their future.
https://www.roomvu.com/agent-news/john-mcintosh/1923142-Commercial%2C-Multifamily-Borrowing-Up-16%25-in-Q2-2026

09/02/2026

US HOA Costs Demand Closer Review

Address

2988 Old Summerville Road
Armuchee, GA
30105

Telephone

+17068446023

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