Georgia Home Financing

There were nearly 3.5 million housing units in Georgia in 2000, according to the US Census Bureau, of which 67.5% are privately owned. The median value of homes is $111,200, and the average household annual income is $42,433 so each house represents a very large investment by the household. This means that financing your home is a major decision, and if you get it wrong it can affect your financial health for a long time.

It can be confusing to find your way around all the options for financing your home, but in fact home finance mortgages can be divided into two categories. The first is fixed rate mortgages; these have an interest rate that is set at the beginning of the mortgage, and means that you will have the same monthly repayments for the whole term of your mortgage.

Adjustable Rate mortgages (ARMs) start with a relatively low interest rate, but at set periods within the term of the mortgage, this rate can be adjusted. The adjustment is usually dictated by a financial instrument such as Treasury bills, so that it is equitable to all. These mortgages are great if you think you will be moving within five years.

You can also choose the period of the mortgage, usually 10, 15, 20 or 30 years, giving you a reasonable period to repay your loan. This is the largest financial transaction most people ever enter into, so you must be sure that you make the right decision.


With interest rates at all-time lows, there has never been a better time to refinance.
Take advantage of getting additional cash out to improve your home, buy a new car, or pay for a child’s education. will provide you with competitive loan quotes from up to four lenders. Different types of refinance loans offered are 30-year fixed, 15-year fixed, adjustable rate, and interest only. You’ll receive the best rates and options available, regardless of your credit. It takes less than a minute to apply, and you have nothing to lose. Find your refinance loan right now.

DebtWave Credit Counseling, Inc.

DebtWave Credit Counseling, Inc. offers a program to its clients that enables them to repay their debt in a timely fashion. We specialize in working primarily credit cards; however, we are usually able to assist clients with any bills that are considered to be unsecured. Below is a list of benefits that we are typically able to obtain for our clients:
– Reduce your interest rates
– Lower your monthly payment
– Consolidate into one monthly payment
– Eliminate late & overlimit fees
– Stop harassing phone calls (if behind)


MoneyNest can help you search through hundreds of lenders and to find the most competitive rates. Get loans for mortgage refinancing, second mortgages, a home equity line of credit, home improvement, or debt consolidation. No fees are required and all credit histories are considered. Fill out a single application and get up to 4 FREE quotes.


The advantage of having an easy-to-follow, step-by-step investing process with easy-to-use Web-based tools is that you rely on facts to make decisions – not emotions. The benefits are less stress, better results and, dare we say it, fun.

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Financial Entrepreneur

I'm passionate about business and finance. After working 10 years for an international organisation, earning more money than most people would need to have very good life, I decided to jump on my own life and businesses. My main incomes are from my financial investments and businesses.

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