Services
Your Home, My Expertise: Cotton Lowe, Your Trusted Mortgage Partner in GA and SC
Cotton Lowe is a reputable mortgage lender that offers a comprehensive range of services to assist home buyers in achieving their home ownership dreams. My services cater to a diverse set of financial needs that include:
Conventional Loans
Conventional loans are mortgage products not insured or guaranteed by a government agency. Borrowers typically need good credit and a stable income to qualify. They come in various fixed-rate and adjustable-rate options. Cotton provides competitive interest rates and terms, making it an attractive option for borrowers with strong financial profiles.
FHA Loans
FHA loans are government-backed loans insured by the Federal Housing Administration. They are ideal for first-time home buyers and those with lower credit scores. These loans typically require a lower down payment, making home ownership more accessible.
VA Loans
VA loans are available to eligible veterans, active-duty service members, and certain members of the National Guard and Reserves. They offer favorable terms, including no down payment requirement, competitive interest rates, and no private mortgage insurance (PMI).
USDA Loans
USDA loans are designed for home buyers in rural and eligible suburban areas. They often require no down payment and offer competitive interest rates. These loans support affordable housing in less densely populated regions.
GA Dream Loans
Georgia Dream loans are state-specific mortgage programs to help Georgia residents achieve home ownership. These loans may include down payment assistance, lower interest rates, and other financial incentives. Cotton can help Georgia residents access and navigate these special programs.
Down Payment Assistance Programs
Cotton provides information and access to various down payment assistance programs. These programs can include grants, second mortgages, and other financial support to help borrowers with limited funds secure a home loan.
Non-QM Loans (Non-Qualified Mortgages)
Non-QM loans are customized mortgage solutions for borrowers who don't meet traditional lending criteria. They provide flexibility for individuals with unique financial situations, such as the self-employed, investors, or those with non-standard income sources. Cotton can tailor these loans to the specific needs of the borrower.
Refinancing Services
Cotton offers refinancing options for existing mortgages. Refinancing can help lower interest rates, reduce monthly payments, or adjust the loan term. This service is available for all loan types, including conventional, FHA, VA, USDA, and non-QM loans.
Pre-Approval and Pre-Qualification
Cotton assists borrowers in obtaining pre-approval and pre-qualification. Pre-qualification estimates the loan amount you may be eligible for, while pre-approval provides a more solid commitment from the lender, strengthening your position when making an offer on a home.
Personalized Financial Guidance
Cotton offers one-on-one guidance to borrowers. They answer questions, analyze individual financial situations, and provide personalized solutions to ensure the best mortgage fit.
Online Tools and Resources
Cotton provides a range of online tools and resources on their website. These resources include mortgage calculators, informative articles, and guides to educate and empower borrowers throughout the mortgage process.
Diverse Mortgage Products
Cotton offers a wide range of mortgage products, including fixed-rate and adjustable-rate options. They work with borrowers to find the most suitable loan product for their unique financial needs and goals.
Cotton Lowe’s services are designed to provide comprehensive support and guidance to a diverse clientele, ensuring that each borrower can find the right mortgage solution for their individual circumstances. Whether it’s a traditional mortgage or a specialized loan program, Cotton aims to make home ownership achievable for everyone.