Atlanta Mortgage Loans – FHA and VA Loans in Atlanta | Realtors WantedAtlanta Mortgage Loans – FHA and VA Loans in Atlanta
Contact | 770.897.LOAN (5626)

Call us today 770-897-(LOAN)5626  –  Let’s do business together

GROW YOUR BUSINESS WITH US

Harbin Loans, a national mortgage lender, is looking for uniquely qualified realtor partners to work with our rapidly growing company, and you may be a perfect fit.

WHY PARTNER WITH HARBIN LOANS

We are a Strong Banking Operation | We are Lending in 42 states & D.C. | We have a World Class technology platform to expedite loan processing and closing. | We have a large team of in-house experienced DU Underwriters | We have local and centralized in-house processing teams | We use a multimillion dollar marketing platform driving leads daily | We have an in-house marketing department to help you develop relationships | We have an extensive customer database management | We offer Conforming, FHA, VA, USDA, Jumbo and 203k

THE HARBIN LOANS DIFFERENCE

At Harbin Loans, our goal is to provide the best services to our buyers and business partners. In addition to our extensive array of products and competitive pricing, Harbin Loans in-house Marketing department develops professional, personalized marketing materials to help you promote your business. There are many options for flyers, letter, brochures, postcards, emails, and digital campaign assets.

OUR VALUES

  1. ACCOUNTABILITY

  2. Results Driven

  3. Caring

  4. Integrity

  5. Adaptability

Our values lay at the core foundation of Harbin Loans, and are what we hold each other accountable to, to guide our decisions as a company.

Harbin Loans services 42 states plus Washington, D.C. each customer at a time. With our investment in marketing our brand nationwide, it is often Harbin Loans that customers call first, when thinking about purchasing a home

We have always believed Harbin Loans can – and should – have a positive impact on the communities we serve. One person, one loan, one neighborhood at a time. It is our vision that together, we can elevate our partners, our customers and our neighbors to provide good in our communities. Thanks to the valuable partnerships within these communities, as well as the commitment of our team, Harbin Loans continues to be able to deliver on our purpose while serving over 30,000 customers since opening our doors.

OUR PRODUCTS

At Harbin Loans we are confident that we can serve all of your customers purchasing needs with an array of mortgage products. Our goal is to bring them home to a better life.

OUR SIGNATURE PRODUCT – harbin loans “LOCK & SHOP”

Borrower can lock in a rate for up to 120 days

No property required – can be determined later

No interest rate increases regardless of market

Reduce to a lesser rate at no cost (if applicable)

Takes the worry out of the rising rate environment

Peace of mind for our valued partners and customers

CONVENTIONAL

620 score on conforming conventional

Only 1 score reporting OK with DU approval

Ratios over 45 for high balance loans

No seasoning on flips

Rental income without landlord history

5-10 financed properties ok

5% to 20% down payment of sales price

VA

620+ score regardless of loan amount

No monthly MI on VA loans

VA IRRRL without appraisal to any

LTV, min 620 FICO

VA IRRRL with appraisal Min 580 FICO

Cash out to 100% allowed

AUS refer allowed with max 43% DTI

JUMBO

Up to $3,000,000 loan amount at

85% LTV

Aggressive fixed rate pricing often

below conventional rates

Up to 90% LTV with no MI

USDA

Monthly housing/total debt ratios

can exceed the standard

29%/41%

640 FICO score required

Household income can be up to

100% of the median income for

your area

No cash reserves required

STREAMLINES

580 score for FHA Streamlines, no

appraisal, no income, no credit

qualifying

OTHER FHA OFFERINGS

FHA $100 down program

HUD owned properties

203K Full and Streamline

FHA

580+ FICO Score to 96.5 LTV

purchase and 97.75 rate &

term or 85 LTV cash out

No minimum FICO on flips or

high balance

No DTI restrictions, follow

AUS

Collections only need to be

paid if required by AUS

No minimum credit history or

trade lines with AUS approval

Borrowers with 1 credit score OK

 

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