Six programs. One hometown lender.
Southeast Mortgage backs Georgia football, basketball, baseball, softball and gymnastics — and we've been financing Georgia homes since 1993. If you're part of the UGA community, that partnership comes with something real attached.
The only point you'll want to miss this season.
See how Southeast Mortgage's Extra Point could take one point off your rate for your first 12 months.*
Not a commitment to lend. All loans subject to credit approval, income and asset verification, and property appraisal. Programs, terms and conditions subject to change without notice. Southeast Mortgage of Georgia, Inc. NMLS #103956. Equal Housing Lender.
Programs we back
Three men's programs. Three women's. Same partnership, same commitment.
Football
Men's
Basketball
Men's
Baseball
Men's
Basketball
Women's
Softball
Women's
Gymnastics
Women's
A logo is easy. Showing up is the hard part.
Plenty of companies buy a sign in a stadium. We put our name on six programs because we've been part of this state's community for three decades and we intend to stay that way.
We're headquartered here
Duluth, Georgia. Not a call center in another time zone. The person underwriting your loan knows the difference between Oconee County and Clarke County, and why it matters to your appraisal.
We back all six programs equally
Football gets the headlines. Softball, gymnastics and women's basketball get the same support from us. If you follow those teams, you're not an afterthought here.
We stay after closing
Most lenders sell your loan and disappear. We service in-house where we can, and your loan officer's number still works in year five when rates move and you want to talk it through.
Questions at 11pm on a Tuesday?
Avery is our AI assistant. Ask anything about loans, assistance programs, or Extra Point and get a straight answer — no form, no callback.
Ask Avery
Avery is an AI assistant. Responses are general information only, are not an offer of credit, a rate quote, or a commitment to lend, and do not constitute financial, legal or tax advice. Verify anything important with a licensed loan officer.
Nobody's situation is the standard one.
Pick the one that sounds most like you. Each goes straight to a loan officer who works on that specifically — not a general contact form.
I'm buying on one income
Single buyers are the fastest-growing group in the market and most lenders still write their materials for couples. Here's what qualifying solo actually looks like — debt-to-income, reserves, and how much cushion you want before you sign.
Let's talk it through →I'm refinancing after a divorce
Removing a spouse from the note, buying out equity, qualifying when support payments are part of your income, and getting the timing right against your decree. It's one of the most complicated refinances there is and we do a lot of them.
See how it works →I'm buying near campus for my student
Four years of rent is money you don't get back. A place in Athens with roommates covering part of the payment is worth running the numbers on — as a second home or an investment property, depending on how you structure it.
Run the numbers →I'm UGA faculty or staff
New hire, relocating, or a resident finishing up. Employment contracts and offer letters, timing a purchase against an academic calendar, and what the Athens-area market is doing right now.
Get local guidance →I'm self-employed
Owning a business shouldn't make you harder to approve. Bank statement programs, P&L documentation, and how we read two years of returns when your write-offs are doing their job.
See your options →I just graduated and I'm renting
Georgia Dream, SmartStar, Chenoa and county-level assistance can stack in ways most people don't realize. Down payment may be a smaller obstacle than you think.
Find assistance →Four years of rent, or four years of equity.
Every fall, thousands of Georgia families write a rent check to somebody in Athens. Some of them buy instead. It isn't right for everyone, but it's worth an hour of your time to find out which one you are.
- ✓ Roommates offset the payment. Rent from one or two of your student's friends can cover a meaningful share of the monthly note.
- ✓ Structure matters. Second home and investment property carry different down payment and rate requirements. We'll walk you through which one fits.
- ✓ There's an exit either way. Sell at graduation or keep it rented to the next set of students. Both are real plans.
- ✓ We know the submarkets. Five Points, Normaltown, east of campus, and out into Oconee all behave differently.
Illustration — four academic years
This is a framework, not a projection. Actual outcomes depend on purchase price, rate, taxes, insurance, HOA, maintenance, vacancy, local market conditions and your tax situation. Home values can fall. Talk to a loan officer and a tax advisor before deciding.
The things people actually ask.
Financing approval available through Southeast Mortgage of Georgia Inc. Approvals are based on credit, income, assets and other various qualifying conditions as required by underwriting process.
- Second home — typically lower down payment and better pricing, but occupancy rules apply and you can't treat it purely as a rental.
- Investment property — more down payment and a higher rate, but rental income may help you qualify.
- Your student on the loan — possible if they have income and credit, sometimes with a parent as co-borrower.
- FHA — generally 580+, or as low as 500 with 10% down.
- Conventional — generally 620+, with better pricing at higher scores.
- Assistance programs — vary. Georgia Dream is typically 640+, SmartStar 620+, Chenoa 600+.
Fifteen minutes tells you more than fifteen hours of reading.
Tell us a little about what you're trying to do and a loan officer will get back to you — usually the same business day. No obligation and no credit pull to start the conversation.
- ✓ A real person, not an auto-reply
- ✓ No hard credit inquiry to talk
- ✓ We never sell your information
Rather pick a time? Schedule a call
Would rather just call now? 800-344-8788
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Southeast Mortgage of Georgia, Inc. is the Official Home Loan Lender of University of Georgia Athletics. This sponsorship does not constitute an endorsement, recommendation, or guarantee of any loan product by the University of Georgia or the University of Georgia Athletic Association. All trademarks are the property of their respective owners.
*Financing approval available through Southeast Mortgage of Georgia Inc. Approvals are based on credit, income, assets and other various qualifying conditions as required by underwriting process. All loans subject to credit approval, income verification and property appraisal. Not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. Southeast Mortgage of Georgia, Inc. NMLS #103956. Equal Housing Lender.
3575 Koger Blvd., Suite 400, Duluth, GA 30096 | Georgia Residential Mortgage Licensee #6578, Alabama MC #21610, Florida #MLD718, MS MLS #103956, NC #L-180587, SC MLS #103956, TN MLS #168644, TX #103956
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Move the sliders to see how the pieces change. It's an estimate, not a quote.
For illustration only. This is not a rate quote, a loan offer, or a commitment to lend. The rate slider is a number you choose, not a rate we're offering. Taxes are estimated at 0.69% and insurance at 0.45% of the home price per year; both vary by county and property. Mortgage insurance, HOA dues and closing costs aren't included. Your actual payment will differ.