Home Loans

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Loan Programs

At Phoenix Mortgage, we offer a number of loan programs to help prospective home buyers step into home ownership and manage their home loans. We understand that many desire to have a home of their own but doubt their qualifications for a number of reasons. Whether it is debt, credit scores, or income, we can help answer the big questions concerning where to go from here. This is our specialty. This is where we use our decades of experience to helping individuals afford the homes of their dreams, wherever they may find themselves financially. We are proud to offer loan programs that help those who have lower credit or who just want professional help in finding the right home loan.

  • We offer mortgage financing (via automated underwriting, which is the retrieval of relevant information by a computer system that draws credit history and other factors and determines the best loan decision) on a FHA loan for borrowers with credit scores even as low as 580.
  • We offer no tax return program on an FHA product.
  • We offer manual underwriting on FHA/VA products. with a credit score as low as 550.
  • We offer mortgage financing on a conventional loan with a credit score as low as 620.
  • We offer USDA loans to borrowers with credit scores as low as 580.
  • We offer 24-month bank statement program for self-employed borrowers.

  • Phoenix Mortgage Specialists, Inc. is proud to serve all our clients across Georgia and East Alabama with premier loan programs specially tailored to their respective preferences and needs. It is our greatest pleasure to be a consistent source of professional guidance and expertise for every prospective homeowner and every individual preparing to walk through this milestone in his or her life.

    We would like to take this moment to thank you for choosing Phoenix Mortgage. For inquiries beyond what is covered on this page, feel free to contact us. We would love to be of service to you in any way possible, and we would love to help answer any of your loan-program-related questions or concerns.


    "Phoenix Mortgage Specialists, Inc. employs methods that uphold a level of professionalism, courtesy and customer service second to none! Kay Moore,
    DR Horton Real Estate Agent
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