Products

As no two people are alike, Equity Prime offer a variety of government, conventional and niche loan programs to meet your mortgage needs. Click on the links below to learn more about our mortgage products.

Purchasing a Home? Equity has a product for you!

FHA Loans

  • Equity Prime, LLC is a FHA full Eagle Lender. This allows is to underwrite government loans in house. It is 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
    • 620 Min score requirement
    • Gift funds allowed for down payment
    • Seller can pay closing costs
    • 203K ? Rehabilitation Loans
    • FHA ? Streamline Refinance (non- income qualifying)
    • FHA ? High balance loan up to $729,750.00
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USDA Rural Home Loans

  • 100% Financing ? Loan can be based on Appraised Value vs. Sales Price
  • Closing costs can be rolled into the loan

First Time Home Buyer Loans

  • 97% Conventional loans
  • Fannie Mae HomePath ? 3% down payment with no appraisal and no mortgage insurance

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.

VA Loans

  • Equity Prime, LLC is direct 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 $625,500.00

Conventional Loans

  • Equity Prime, LLC 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 95% Loan to value
    • Rate & Term refinance loans up to 90% Loan to value
    • Cash out loan up to 80% Loan to value
    • Investment properties up to 75% loan to value

Jumbo Mortgages

  • We offer Jumbo loans of up to $5,000,000 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 Prime

  • 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

If you are looking for a lower payment or lower interest rate, Equity has many 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