Welcome to Elite Funding Group
Experience | Expertise | Superior Quality
NMLS #1952146
Before you start looking for a home, get pre-qualified.
Elite Funding Group helps you understand what you can afford before you fall in love with a house. A pre-qualification or pre-approval letter tells you, your agent and the seller that you are ready to buy.
Many agents ask buyers to get pre-approved before showings. It narrows your search to homes that fit your budget and makes the rest of the loan process smoother.
Check your credit first
Lenders review your payment history, income and current debts. Your credit score is one of the biggest factors in your rate and approval.
You can pull your free credit reports at annualcreditreport.com. If something looks wrong, dispute it early. Paying every bill on time and lowering card balances can help your score before you apply.
Loan programs for every stage
Purchase or refinance. First home or fifth. We match you to the program that fits.
Conventional
Flexible terms for buyers with solid credit, with down payments that can start at 3% for eligible first-time buyers.
Learn more →FHA
Government-insured loans with lower down payment and more flexible credit guidelines.
Learn more →VA
For eligible veterans, service members and surviving spouses, with no down payment required for eligible borrowers.
Learn more →USDA
Zero-down financing for eligible homes in qualifying rural and suburban areas of Georgia.
Learn more →Jumbo/Non-QM
Higher loan amounts and alternative ways to document income for self-employed borrowers and investors.
Learn more →HELOC
Use the equity in your home as a flexible line of credit for renovations, tuition or debt payoff.
Learn more →How the homebuying process works
- 1
Get pre-approved
Know your budget before you shop. A pre-approval shows sellers you are ready.
- 2
Find your home
Work with your real estate agent to find a home that fits your needs and budget.
- 3
Make an offer
Your agent submits the offer. We keep your financing ready to move.
- 4
Processing and underwriting
We gather documents, order the appraisal and guide your file to approval.
- 5
Close
Sign your closing documents and get the keys to your new home.
Real estate agents: a lending partner who keeps your deals on track
Fast pre-approvals, clear communication and on-time closings. We keep you and your buyers updated from contract to close.
Run your numbers
Estimate a monthly payment or see how much home your income supports before you call.
Serving homebuyers across Georgia
From metro Atlanta to the mountains, the coast and everywhere in between, we help Georgia families buy and refinance homes.